Call reports 2003
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2003
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 63,144,000 | 65,853,000 | 66,253,000 | 73,284,000 |
| Total loans | 50,692,000 | 53,510,000 | 56,098,000 | 59,726,000 |
| Allowance for loan losses | 575,000 | 600,000 | 630,000 | 750,000 |
| Securities available for sale | 6,869,000 | 6,003,000 | 4,802,000 | 4,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,183,000 | 52,420,000 | 54,866,000 | 57,333,000 |
| Interest-bearing deposits | 49,421,000 | 49,494,000 | 51,376,000 | 53,537,000 |
| Noninterest-bearing deposits | 2,762,000 | 2,926,000 | 3,490,000 | 3,796,000 |
| Equity capital | 5,232,000 | 5,580,000 | 5,412,000 | 5,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,081,000 | 3,166,000 | 4,201,000 |
| Interest expense | 475,000 | 938,000 | 1,376,000 | 1,781,000 |
| Net interest income | 541,000 | 1,143,000 | 1,790,000 | 2,420,000 |
| Noninterest income | 76,000 | 170,000 | 253,000 | 342,000 |
| Noninterest expense | 328,000 | 671,000 | 1,018,000 | 1,358,000 |
| Provision for loan losses | 105,000 | 154,000 | 231,000 | 400,000 |
| Pretax income | 184,000 | 488,000 | 795,000 | 1,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | 488,000 | 795,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,068,000 | 5,371,000 | 5,319,000 | 5,528,000 |
| Total capital | 5,625,000 | 5,946,000 | 5,907,000 | 6,158,000 |
| Risk-weighted assets | 44,578,000 | 45,986,000 | 46,942,000 | 50,262,000 |
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