Call reports 2005
CUMBERLAND COUNTY BANK — 2005
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 159,421,000 | 161,466,000 | 167,391,000 | 178,575,000 |
| Total loans | 76,897,000 | 83,365,000 | 91,553,000 | 95,689,000 |
| Allowance for loan losses | 946,000 | 950,000 | 937,000 | 944,000 |
| Securities available for sale | 64,212,000 | 61,491,000 | 54,464,000 | 58,857,000 |
| Securities held to maturity | 80,000 | 73,000 | 66,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,945,000 | 149,411,000 | 155,039,000 | 166,278,000 |
| Interest-bearing deposits | 127,180,000 | 127,440,000 | 128,979,000 | 137,482,000 |
| Noninterest-bearing deposits | 20,765,000 | 21,971,000 | 26,060,000 | 28,796,000 |
| Equity capital | 10,836,000 | 11,249,000 | 11,411,000 | 11,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,337,000 | 5,182,000 | 7,174,000 |
| Interest expense | 408,000 | 878,000 | 1,401,000 | 2,016,000 |
| Net interest income | 1,218,000 | 2,459,000 | 3,781,000 | 5,158,000 |
| Noninterest income | 316,000 | 665,000 | 1,013,000 | 1,355,000 |
| Noninterest expense | 1,010,000 | 2,043,000 | 3,110,000 | 4,132,000 |
| Provision for loan losses | 54,000 | 111,000 | 152,000 | 225,000 |
| Pretax income | 470,000 | 970,000 | 1,532,000 | 2,156,000 |
| Income tax | 37,000 | 78,000 | 122,000 | 171,000 |
| Net income | 433,000 | 892,000 | 1,410,000 | 1,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,604,000 | 11,737,000 | 11,922,000 | 12,088,000 |
| Total capital | 12,471,000 | 12,668,000 | 12,859,000 | 13,032,000 |
| Risk-weighted assets | 68,526,000 | 74,048,000 | 84,485,000 | 87,879,000 |
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