Call reports 2011
CUMBERLAND COUNTY BANK — 2011
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 267,847,000 | 277,123,000 | 285,729,000 | 273,789,000 |
| Total loans | 130,268,000 | 126,322,000 | 124,389,000 | 122,017,000 |
| Allowance for loan losses | 2,121,000 | 2,090,000 | 2,053,000 | 1,879,000 |
| Securities available for sale | 77,885,000 | 79,863,000 | 77,764,000 | 77,370,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,041,000 | 255,555,000 | 262,900,000 | 251,140,000 |
| Interest-bearing deposits | 220,359,000 | 227,657,000 | 234,716,000 | 222,161,000 |
| Noninterest-bearing deposits | 26,682,000 | 27,898,000 | 28,184,000 | 28,979,000 |
| Equity capital | 18,535,000 | 18,759,000 | 20,327,000 | 20,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,193,000 | 4,333,000 | 6,473,000 | 8,556,000 |
| Interest expense | 559,000 | 1,106,000 | 1,615,000 | 2,067,000 |
| Net interest income | 1,634,000 | 3,227,000 | 4,858,000 | 6,489,000 |
| Noninterest income | 397,000 | 877,000 | 1,387,000 | 1,866,000 |
| Noninterest expense | 1,454,000 | 2,931,000 | 4,353,000 | 5,748,000 |
| Provision for loan losses | 120,000 | 200,000 | 320,000 | 315,000 |
| Pretax income | 457,000 | 973,000 | 1,572,000 | 2,292,000 |
| Income tax | 32,000 | 67,000 | 108,000 | 157,000 |
| Net income | 425,000 | 906,000 | 1,464,000 | 2,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,665,000 | 18,795,000 | 20,103,000 | 20,300,000 |
| Total capital | 20,111,000 | 20,206,000 | 21,475,000 | 21,651,000 |
| Risk-weighted assets | 114,305,000 | 111,430,000 | 108,288,000 | 106,826,000 |
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