Call reports 2025
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2025
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 93,928,000 | 94,630,000 | 96,142,000 | 96,054,000 |
| Total loans | 65,593,000 | 65,354,000 | 65,427,000 | 66,247,000 |
| Allowance for loan losses | 764,000 | 760,000 | 746,000 | 729,000 |
| Securities available for sale | 14,551,000 | 13,458,000 | 14,358,000 | 16,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,200,000 | 79,477,000 | 80,454,000 | 82,729,000 |
| Interest-bearing deposits | 57,132,000 | 57,965,000 | 62,964,000 | 64,667,000 |
| Noninterest-bearing deposits | 22,068,000 | 21,512,000 | 17,490,000 | 18,062,000 |
| Equity capital | 10,533,000 | 11,112,000 | 11,698,000 | 11,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,417,000 | 2,867,000 | 4,360,000 | 5,891,000 |
| Interest expense | 383,000 | 744,000 | 1,114,000 | 1,485,000 |
| Net interest income | 1,034,000 | 2,123,000 | 3,246,000 | 4,406,000 |
| Noninterest income | 117,000 | 234,000 | 345,000 | 471,000 |
| Noninterest expense | 732,000 | 1,468,000 | 2,216,000 | 2,908,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 419,000 | 889,000 | 1,375,000 | 1,969,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 419,000 | 889,000 | 1,375,000 | 1,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,903,000 | 11,373,000 | 11,860,000 | 11,153,000 |