Call reports 2010
CUMBERLAND COUNTY BANK — 2010
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 245,611,000 | 248,129,000 | 257,202,000 | 264,006,000 |
| Total loans | 139,554,000 | 137,773,000 | 137,455,000 | 134,016,000 |
| Allowance for loan losses | 1,740,000 | 1,652,000 | 1,841,000 | 2,240,000 |
| Securities available for sale | 39,856,000 | 61,332,000 | 67,223,000 | 79,295,000 |
| Securities held to maturity | 4,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,431,000 | 227,614,000 | 236,445,000 | 243,304,000 |
| Interest-bearing deposits | 198,835,000 | 201,775,000 | 211,322,000 | 215,948,000 |
| Noninterest-bearing deposits | 26,596,000 | 25,839,000 | 25,123,000 | 27,356,000 |
| Equity capital | 17,945,000 | 18,204,000 | 18,309,000 | 18,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,419,000 | 4,800,000 | 7,171,000 | 9,497,000 |
| Interest expense | 599,000 | 1,207,000 | 1,814,000 | 2,404,000 |
| Net interest income | 1,820,000 | 3,593,000 | 5,357,000 | 7,093,000 |
| Noninterest income | 409,000 | 831,000 | 1,279,000 | 1,714,000 |
| Noninterest expense | 1,464,000 | 2,933,000 | 4,416,000 | 5,758,000 |
| Provision for loan losses | 225,000 | 407,000 | 632,000 | 1,257,000 |
| Pretax income | 540,000 | 1,084,000 | 1,588,000 | 1,792,000 |
| Income tax | 37,000 | 74,000 | 109,000 | 124,000 |
| Net income | 503,000 | 1,010,000 | 1,479,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,016,000 | 18,174,000 | 18,299,000 | 18,484,000 |
| Total capital | 19,578,000 | 19,724,000 | 19,833,000 | 19,985,000 |
| Risk-weighted assets | 124,062,000 | 123,159,000 | 122,422,000 | 118,705,000 |
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