Call reports 2007
CUMBERLAND COUNTY BANK — 2007
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 192,392,000 | 199,292,000 | 210,614,000 | 218,258,000 |
| Total loans | 120,838,000 | 126,420,000 | 131,617,000 | 137,051,000 |
| Allowance for loan losses | 1,086,000 | 1,149,000 | 1,185,000 | 1,189,000 |
| Securities available for sale | 46,688,000 | 53,057,000 | 55,311,000 | 56,529,000 |
| Securities held to maturity | 21,000 | 352,000 | 352,000 | 351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,671,000 | 183,300,000 | 193,966,000 | 200,198,000 |
| Interest-bearing deposits | 145,685,000 | 155,588,000 | 166,921,000 | 173,415,000 |
| Noninterest-bearing deposits | 30,986,000 | 27,712,000 | 27,045,000 | 26,783,000 |
| Equity capital | 13,876,000 | 13,321,000 | 13,812,000 | 15,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,635,000 | 5,489,000 | 8,488,000 | 11,620,000 |
| Interest expense | 1,079,000 | 2,263,000 | 3,564,000 | 5,042,000 |
| Net interest income | 1,556,000 | 3,226,000 | 4,924,000 | 6,578,000 |
| Noninterest income | 468,000 | 993,000 | 1,528,000 | 2,034,000 |
| Noninterest expense | 1,211,000 | 2,451,000 | 3,744,000 | 4,944,000 |
| Provision for loan losses | 64,000 | 152,000 | 210,000 | 245,000 |
| Pretax income | 749,000 | 1,616,000 | 2,498,000 | 3,423,000 |
| Income tax | 51,000 | 109,000 | 168,000 | 230,000 |
| Net income | 698,000 | 1,507,000 | 2,330,000 | 3,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,975,000 | 14,126,000 | 14,327,000 | 15,673,000 |
| Total capital | 15,061,000 | 15,275,000 | 15,512,000 | 16,862,000 |
| Risk-weighted assets | 113,442,000 | 117,611,000 | 122,308,000 | 126,099,000 |
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