Call reports 2011
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2011
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 76,523,000 | 75,376,000 | 75,315,000 | 73,545,000 |
| Total loans | 61,815,000 | 60,340,000 | 59,621,000 | 58,541,000 |
| Allowance for loan losses | 1,100,000 | 1,140,000 | 1,060,000 | 770,000 |
| Securities available for sale | 4,499,000 | 5,302,000 | 6,328,000 | 6,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,017,000 | 62,298,000 | 62,332,000 | 60,796,000 |
| Interest-bearing deposits | 54,422,000 | 54,797,000 | 54,337,000 | 53,107,000 |
| Noninterest-bearing deposits | 8,595,000 | 7,501,000 | 7,995,000 | 7,689,000 |
| Equity capital | 7,858,000 | 7,742,000 | 7,761,000 | 7,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 2,002,000 | 3,005,000 | 3,954,000 |
| Interest expense | 261,000 | 502,000 | 718,000 | 912,000 |
| Net interest income | 753,000 | 1,500,000 | 2,287,000 | 3,042,000 |
| Noninterest income | 81,000 | 114,000 | 225,000 | 298,000 |
| Noninterest expense | 490,000 | 1,007,000 | 1,524,000 | 1,955,000 |
| Provision for loan losses | 96,000 | 200,000 | 390,000 | 539,000 |
| Pretax income | 248,000 | 407,000 | 598,000 | 846,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 248,000 | 407,000 | 598,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,900,000 | 7,699,000 | 7,689,000 | 7,829,000 |
| Total capital | 8,595,000 | 8,385,000 | 8,354,000 | 8,484,000 |
| Risk-weighted assets | 55,595,000 | 54,491,000 | 54,239,000 | 53,090,000 |