Call reports 2024
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2024
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 89,163,000 | 92,933,000 | 90,845,000 | 92,637,000 |
| Total loans | 64,750,000 | 64,092,000 | 64,229,000 | 65,240,000 |
| Allowance for loan losses | 791,000 | 779,000 | 815,000 | 772,000 |
| Securities available for sale | 14,295,000 | 14,239,000 | 14,944,000 | 14,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,745,000 | 79,697,000 | 76,886,000 | 80,343,000 |
| Interest-bearing deposits | 55,375,000 | 54,236,000 | 54,318,000 | 57,309,000 |
| Noninterest-bearing deposits | 21,370,000 | 25,461,000 | 22,568,000 | 23,034,000 |
| Equity capital | 10,342,000 | 10,397,000 | 11,236,000 | 10,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,726,000 | 4,144,000 | 5,589,000 |
| Interest expense | 332,000 | 655,000 | 1,014,000 | 1,395,000 |
| Net interest income | 1,014,000 | 2,071,000 | 3,130,000 | 4,194,000 |
| Noninterest income | 118,000 | 236,000 | 360,000 | 493,000 |
| Noninterest expense | 676,000 | 1,386,000 | 2,087,000 | 2,735,000 |
| Provision for loan losses | 0 | 0 | 0 | -30,000 |
| Pretax income | 456,000 | 921,000 | 1,403,000 | 1,982,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 456,000 | 921,000 | 1,403,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,181,000 | 11,154,000 | 11,636,000 | 10,915,000 |