Call reports 2009
CUMBERLAND COUNTY BANK — 2009
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 237,015,000 | 242,436,000 | 240,578,000 | 244,481,000 |
| Total loans | 146,189,000 | 144,868,000 | 140,779,000 | 140,875,000 |
| Allowance for loan losses | 1,134,000 | 1,195,000 | 1,308,000 | 1,552,000 |
| Securities available for sale | 52,964,000 | 56,837,000 | 57,090,000 | 43,896,000 |
| Securities held to maturity | 233,000 | 10,000 | 6,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,346,000 | 222,748,000 | 220,408,000 | 224,281,000 |
| Interest-bearing deposits | 189,946,000 | 194,446,000 | 194,475,000 | 196,225,000 |
| Noninterest-bearing deposits | 26,400,000 | 28,302,000 | 25,933,000 | 28,056,000 |
| Equity capital | 16,701,000 | 17,099,000 | 17,573,000 | 17,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,628,000 | 5,196,000 | 7,807,000 | 10,365,000 |
| Interest expense | 961,000 | 1,803,000 | 2,560,000 | 3,232,000 |
| Net interest income | 1,667,000 | 3,393,000 | 5,247,000 | 7,133,000 |
| Noninterest income | 409,000 | 930,000 | 1,386,000 | 1,856,000 |
| Noninterest expense | 1,389,000 | 2,863,000 | 4,317,000 | 5,550,000 |
| Provision for loan losses | 172,000 | 397,000 | 689,000 | 1,028,000 |
| Pretax income | 515,000 | 1,063,000 | 1,627,000 | 2,411,000 |
| Income tax | 35,000 | 72,000 | 112,000 | 164,000 |
| Net income | 480,000 | 991,000 | 1,515,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,604,000 | 17,105,000 | 17,622,000 | 17,880,000 |
| Total capital | 17,738,000 | 18,300,000 | 18,930,000 | 19,432,000 |
| Risk-weighted assets | 130,955,000 | 128,433,000 | 126,131,000 | 129,292,000 |
Machine access — free, no API key
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