Call reports 2014
CUMBERLAND COUNTY BANK — 2014
What CUMBERLAND COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 278,933,000 | 280,708,000 | 282,735,000 | 282,417,000 |
| Total loans | 112,554,000 | 112,105,000 | 112,587,000 | 112,495,000 |
| Allowance for loan losses | 1,485,000 | 1,543,000 | 1,493,000 | 1,377,000 |
| Securities available for sale | 102,027,000 | 95,676,000 | 96,951,000 | 99,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,673,000 | 254,593,000 | 256,515,000 | 256,270,000 |
| Interest-bearing deposits | 220,599,000 | 219,568,000 | 217,778,000 | 218,679,000 |
| Noninterest-bearing deposits | 33,074,000 | 35,025,000 | 38,737,000 | 37,591,000 |
| Equity capital | 21,021,000 | 21,432,000 | 21,662,000 | 21,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,720,000 | 3,485,000 | 5,283,000 | 7,057,000 |
| Interest expense | 223,000 | 439,000 | 648,000 | 854,000 |
| Net interest income | 1,497,000 | 3,046,000 | 4,635,000 | 6,203,000 |
| Noninterest income | 511,000 | 1,295,000 | 1,776,000 | 2,272,000 |
| Noninterest expense | 1,520,000 | 3,076,000 | 4,632,000 | 6,103,000 |
| Provision for loan losses | 60,000 | 120,000 | 55,000 | 90,000 |
| Pretax income | 428,000 | 1,145,000 | 1,724,000 | 2,282,000 |
| Income tax | 33,000 | 85,000 | 128,000 | 169,000 |
| Net income | 395,000 | 1,060,000 | 1,596,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,527,000 | 21,895,000 | 21,991,000 | 22,052,000 |
| Total capital | 22,704,000 | 23,077,000 | 23,174,000 | 23,247,000 |
| Risk-weighted assets | 94,444,000 | 94,338,000 | 94,260,000 | 95,420,000 |
Machine access — free, no API key
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