Call reports 2002
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2002
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 49,357,000 | 52,920,000 | 57,703,000 | 61,011,000 |
| Total loans | 36,471,000 | 40,314,000 | 45,365,000 | 48,099,000 |
| Allowance for loan losses | 400,000 | 400,000 | 435,000 | 481,000 |
| Securities available for sale | 7,964,000 | 8,071,000 | 6,920,000 | 6,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,052,000 | 43,455,000 | 46,647,000 | 49,818,000 |
| Interest-bearing deposits | 37,596,000 | 40,774,000 | 44,034,000 | 47,235,000 |
| Noninterest-bearing deposits | 3,456,000 | 2,681,000 | 2,613,000 | 2,583,000 |
| Equity capital | 4,041,000 | 4,567,000 | 4,877,000 | 5,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,788,000 | 2,766,000 | 3,817,000 |
| Interest expense | 466,000 | 964,000 | 1,493,000 | 2,003,000 |
| Net interest income | 401,000 | 824,000 | 1,273,000 | 1,814,000 |
| Noninterest income | 49,000 | 98,000 | 186,000 | 263,000 |
| Noninterest expense | 267,000 | 560,000 | 855,000 | 1,151,000 |
| Provision for loan losses | 2,000 | 27,000 | 86,000 | 155,000 |
| Pretax income | 181,000 | 335,000 | 519,000 | 772,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 181,000 | 335,000 | 519,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,156,000 | 4,446,000 | 4,630,000 | 4,883,000 |
| Total capital | 4,556,000 | 4,846,000 | 5,065,000 | 5,364,000 |
| Risk-weighted assets | 33,527,000 | 36,709,000 | 40,667,000 | 42,572,000 |