Call reports 2010
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2010
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,592,000 | 78,645,000 | 78,351,000 | 77,422,000 |
| Total loans | 64,344,000 | 64,113,000 | 64,627,000 | 63,913,000 |
| Allowance for loan losses | 1,073,000 | 1,126,000 | 1,160,000 | 1,176,000 |
| Securities available for sale | 5,367,000 | 4,384,000 | 4,592,000 | 4,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,446,000 | 62,742,000 | 61,121,000 | 62,721,000 |
| Interest-bearing deposits | 56,177,000 | 55,314,000 | 54,089,000 | 55,505,000 |
| Noninterest-bearing deposits | 6,269,000 | 7,428,000 | 7,032,000 | 7,216,000 |
| Equity capital | 7,497,000 | 7,193,000 | 7,528,000 | 7,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,071,000 | 3,123,000 | 4,181,000 |
| Interest expense | 318,000 | 622,000 | 901,000 | 1,169,000 |
| Net interest income | 724,000 | 1,449,000 | 2,222,000 | 3,012,000 |
| Noninterest income | 81,000 | 134,000 | 243,000 | 286,000 |
| Noninterest expense | 512,000 | 993,000 | 1,472,000 | 1,949,000 |
| Provision for loan losses | 72,000 | 192,000 | 288,000 | 450,000 |
| Pretax income | 221,000 | 398,000 | 709,000 | 903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 221,000 | 398,000 | 709,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,501,000 | 7,178,000 | 7,482,000 | 7,669,000 |
| Total capital | 8,227,000 | 7,900,000 | 8,200,000 | 8,394,000 |
| Risk-weighted assets | 56,948,000 | 57,391,000 | 57,322,000 | 56,808,000 |