Call reports 2008
CUMBERLAND COUNTY BANK — 2008
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 229,388,000 | 229,036,000 | 227,921,000 | 227,988,000 |
| Total loans | 141,854,000 | 143,737,000 | 148,636,000 | 148,218,000 |
| Allowance for loan losses | 1,162,000 | 1,215,000 | 1,236,000 | 1,216,000 |
| Securities available for sale | 60,429,000 | 59,213,000 | 56,368,000 | 51,870,000 |
| Securities held to maturity | 350,000 | 239,000 | 234,000 | 233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,924,000 | 210,790,000 | 209,041,000 | 207,150,000 |
| Interest-bearing deposits | 183,913,000 | 183,937,000 | 181,651,000 | 180,985,000 |
| Noninterest-bearing deposits | 27,010,000 | 26,853,000 | 27,390,000 | 26,165,000 |
| Equity capital | 15,829,000 | 15,343,000 | 15,983,000 | 16,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,069,000 | 6,016,000 | 8,938,000 | 11,764,000 |
| Interest expense | 1,486,000 | 2,826,000 | 4,019,000 | 5,101,000 |
| Net interest income | 1,583,000 | 3,190,000 | 4,919,000 | 6,663,000 |
| Noninterest income | 479,000 | 946,000 | 1,770,000 | 2,197,000 |
| Noninterest expense | 1,281,000 | 2,498,000 | 3,780,000 | 5,081,000 |
| Provision for loan losses | 72,000 | 175,000 | 287,000 | 392,000 |
| Pretax income | 709,000 | 1,463,000 | 2,622,000 | 3,387,000 |
| Income tax | 48,000 | 99,000 | 151,000 | 202,000 |
| Net income | 661,000 | 1,364,000 | 2,471,000 | 3,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,847,000 | 16,000,000 | 16,399,000 | 16,480,000 |
| Total capital | 17,009,000 | 17,215,000 | 17,635,000 | 17,696,000 |
| Risk-weighted assets | 130,670,000 | 128,413,000 | 131,115,000 | 131,713,000 |
Machine access — free, no API key
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