Call reports 2012
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2012
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 72,841,000 | 71,696,000 | 70,133,000 | 71,292,000 |
| Total loans | 58,522,000 | 56,509,000 | 56,567,000 | 55,576,000 |
| Allowance for loan losses | 760,000 | 825,000 | 874,000 | 900,000 |
| Securities available for sale | 5,966,000 | 5,452,000 | 6,454,000 | 5,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,055,000 | 59,073,000 | 57,616,000 | 58,999,000 |
| Interest-bearing deposits | 51,865,000 | 50,752,000 | 49,530,000 | 49,879,000 |
| Noninterest-bearing deposits | 8,190,000 | 8,321,000 | 8,086,000 | 9,120,000 |
| Equity capital | 8,028,000 | 7,711,000 | 8,067,000 | 8,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,833,000 | 2,772,000 | 3,663,000 |
| Interest expense | 169,000 | 319,000 | 456,000 | 588,000 |
| Net interest income | 763,000 | 1,514,000 | 2,316,000 | 3,075,000 |
| Noninterest income | 75,000 | 156,000 | 253,000 | 414,000 |
| Noninterest expense | 536,000 | 969,000 | 1,444,000 | 1,907,000 |
| Provision for loan losses | 137,000 | 237,000 | 307,000 | 394,000 |
| Pretax income | 165,000 | 464,000 | 818,000 | 1,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 464,000 | 818,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,925,000 | 7,619,000 | 7,969,000 | 8,272,000 |
| Total capital | 8,515,000 | 8,255,000 | 8,596,000 | 8,910,000 |
| Risk-weighted assets | 52,485,000 | 51,022,000 | 50,416,000 | 50,753,000 |