Call reports 2009
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2009
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 77,704,000 | 78,748,000 | 79,967,000 | 80,558,000 |
| Total loans | 65,498,000 | 65,315,000 | 65,811,000 | 65,627,000 |
| Allowance for loan losses | 1,047,000 | 1,046,000 | 1,065,000 | 1,101,000 |
| Securities available for sale | 2,600,000 | 4,084,000 | 3,917,000 | 5,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,653,000 | 68,327,000 | 66,802,000 | 63,421,000 |
| Interest-bearing deposits | 59,145,000 | 60,502,000 | 60,490,000 | 57,029,000 |
| Noninterest-bearing deposits | 6,508,000 | 7,825,000 | 6,312,000 | 6,393,000 |
| Equity capital | 7,671,000 | 6,954,000 | 7,173,000 | 7,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,274,000 | 3,376,000 | 4,469,000 |
| Interest expense | 530,000 | 1,049,000 | 1,514,000 | 1,929,000 |
| Net interest income | 624,000 | 1,225,000 | 1,862,000 | 2,540,000 |
| Noninterest income | 76,000 | 164,000 | 393,000 | 354,000 |
| Noninterest expense | 470,000 | 966,000 | 1,475,000 | 1,919,000 |
| Provision for loan losses | 186,000 | 326,000 | 361,000 | 435,000 |
| Pretax income | 164,000 | 217,000 | 419,000 | 660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 164,000 | 217,000 | 419,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,665,000 | 6,960,000 | 7,154,000 | 7,288,000 |
| Total capital | 8,381,000 | 7,680,000 | 7,879,000 | 8,011,000 |
| Risk-weighted assets | 57,774,000 | 58,034,000 | 58,209,000 | 58,060,000 |
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