Call reports 2004
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2004
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,726,000 | 78,694,000 | 84,582,000 | 88,086,000 |
| Total loans | 64,626,000 | 66,915,000 | 72,730,000 | 74,902,000 |
| Allowance for loan losses | 770,000 | 800,000 | 811,000 | 860,000 |
| Securities available for sale | 4,700,000 | 4,097,000 | 4,245,000 | 4,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,309,000 | 56,178,000 | 56,775,000 | 58,208,000 |
| Interest-bearing deposits | 53,701,000 | 52,543,000 | 52,848,000 | 53,936,000 |
| Noninterest-bearing deposits | 3,608,000 | 3,635,000 | 3,926,000 | 4,272,000 |
| Equity capital | 6,029,000 | 5,528,000 | 6,148,000 | 6,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,164,000 | 2,345,000 | 3,602,000 | 4,992,000 |
| Interest expense | 405,000 | 789,000 | 1,235,000 | 1,722,000 |
| Net interest income | 759,000 | 1,556,000 | 2,367,000 | 3,270,000 |
| Noninterest income | 86,000 | 180,000 | 273,000 | 347,000 |
| Noninterest expense | 386,000 | 763,000 | 1,146,000 | 1,552,000 |
| Provision for loan losses | 93,000 | 165,000 | 201,000 | 324,000 |
| Pretax income | 391,000 | 833,000 | 1,318,000 | 1,766,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 391,000 | 833,000 | 1,318,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,913,000 | 5,587,000 | 6,072,000 | 6,516,000 |
| Total capital | 6,576,000 | 6,256,000 | 6,784,000 | 7,226,000 |
| Risk-weighted assets | 52,848,000 | 53,416,000 | 56,818,000 | 56,697,000 |
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