Call reports 2012
CUMBERLAND COUNTY BANK — 2012
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 277,615,000 | 281,048,000 | 277,205,000 | 283,011,000 |
| Total loans | 121,595,000 | 122,255,000 | 118,340,000 | 118,851,000 |
| Allowance for loan losses | 1,852,000 | 1,957,000 | 1,776,000 | 2,089,000 |
| Securities available for sale | 74,495,000 | 75,531,000 | 81,282,000 | 84,643,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,880,000 | 257,717,000 | 253,328,000 | 259,873,000 |
| Interest-bearing deposits | 223,936,000 | 225,986,000 | 223,382,000 | 225,830,000 |
| Noninterest-bearing deposits | 30,944,000 | 31,731,000 | 29,946,000 | 34,043,000 |
| Equity capital | 20,359,000 | 20,844,000 | 21,219,000 | 20,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,080,000 | 4,110,000 | 6,148,000 | 8,098,000 |
| Interest expense | 377,000 | 736,000 | 1,074,000 | 1,407,000 |
| Net interest income | 1,703,000 | 3,374,000 | 5,074,000 | 6,691,000 |
| Noninterest income | 516,000 | 1,083,000 | 1,662,000 | 2,355,000 |
| Noninterest expense | 1,470,000 | 2,997,000 | 4,502,000 | 5,925,000 |
| Provision for loan losses | 114,000 | 225,000 | 336,000 | 807,000 |
| Pretax income | 635,000 | 1,235,000 | 1,898,000 | 2,314,000 |
| Income tax | 43,000 | 90,000 | 138,000 | 170,000 |
| Net income | 592,000 | 1,145,000 | 1,760,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,503,000 | 20,674,000 | 20,913,000 | 20,830,000 |
| Total capital | 21,839,000 | 21,986,000 | 22,185,000 | 22,106,000 |
| Risk-weighted assets | 105,600,000 | 104,408,000 | 102,159,000 | 102,192,000 |