Call reports 2006
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2006
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 86,090,000 | 85,631,000 | 81,052,000 | 80,653,000 |
| Total loans | 73,189,000 | 71,407,000 | 68,517,000 | 67,316,000 |
| Allowance for loan losses | 902,000 | 900,000 | 925,000 | 875,000 |
| Securities available for sale | 4,281,000 | 4,220,000 | 4,298,000 | 4,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,446,000 | 63,309,000 | 63,636,000 | 63,803,000 |
| Interest-bearing deposits | 58,171,000 | 58,669,000 | 58,822,000 | 59,516,000 |
| Noninterest-bearing deposits | 4,276,000 | 4,640,000 | 4,814,000 | 4,288,000 |
| Equity capital | 7,893,000 | 7,030,000 | 7,189,000 | 7,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 3,016,000 | 4,552,000 | 6,120,000 |
| Interest expense | 649,000 | 1,351,000 | 2,075,000 | 2,802,000 |
| Net interest income | 836,000 | 1,665,000 | 2,477,000 | 3,318,000 |
| Noninterest income | 77,000 | 168,000 | 226,000 | 334,000 |
| Noninterest expense | 444,000 | 880,000 | 1,344,000 | 1,742,000 |
| Provision for loan losses | 9,000 | 40,000 | 66,000 | 204,000 |
| Pretax income | 465,000 | 918,000 | 1,298,000 | 1,711,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 465,000 | 918,000 | 1,298,000 | 1,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,955,000 | 7,146,000 | 7,218,000 | 7,626,000 |
| Total capital | 8,732,000 | 7,920,000 | 7,943,000 | 8,332,000 |
| Risk-weighted assets | 62,100,000 | 62,410,000 | 59,287,000 | 58,883,000 |