Call reports 2007
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2007
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,398,000 | 78,459,000 | 77,118,000 | 77,720,000 |
| Total loans | 65,320,000 | 64,253,000 | 64,597,000 | 64,517,000 |
| Allowance for loan losses | 1,064,000 | 1,040,000 | 1,008,000 | 940,000 |
| Securities available for sale | 4,777,000 | 4,714,000 | 4,755,000 | 4,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,113,000 | 64,658,000 | 63,878,000 | 63,302,000 |
| Interest-bearing deposits | 59,307,000 | 59,903,000 | 58,948,000 | 58,263,000 |
| Noninterest-bearing deposits | 4,806,000 | 4,755,000 | 4,929,000 | 5,038,000 |
| Equity capital | 7,611,000 | 6,839,000 | 7,191,000 | 7,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,000,000 | 4,498,000 | 5,993,000 |
| Interest expense | 734,000 | 1,475,000 | 2,205,000 | 2,918,000 |
| Net interest income | 745,000 | 1,525,000 | 2,293,000 | 3,075,000 |
| Noninterest income | 87,000 | 192,000 | 284,000 | 406,000 |
| Noninterest expense | 484,000 | 954,000 | 1,411,000 | 1,907,000 |
| Provision for loan losses | 325,000 | 367,000 | 462,000 | 606,000 |
| Pretax income | 23,000 | 396,000 | 704,000 | 968,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 23,000 | 396,000 | 704,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,643,000 | 6,924,000 | 7,226,000 | 7,484,000 |
| Total capital | 8,361,000 | 7,634,000 | 7,926,000 | 8,190,000 |
| Risk-weighted assets | 57,094,000 | 56,385,000 | 56,735,000 | 56,228,000 |