Financial Highlights
|
AS OF SEPTEMBER 30, 2011
|
2011
|
2010
|
% Change
|
|
Assets
|
181,004,427
|
184,388,912
|
-1.84
|
|
Deposits
|
157,171,036
|
157,338,910 |
-0.11 |
|
Loans, net of unearned income
|
142,106,308
|
147,797,126
|
-3.85
|
|
Shareholders' Equity
|
21,566,124
|
20,931,722
|
3.03
|
| Shares of common stock |
807,219 |
794,485 |
|
| Book value per share |
26.72 |
26.35 |
1.40 |
| Banking offices |
6 |
6 |
|
|
FOR THE NINE MONTHS
|
|
|
|
|
Net Income
|
$ 791,669
|
$ 924,400
|
-14.36
|
|
Basic Income per share
|
0.98
|
1.16
|
-15.52
|
|
Return on average assets
|
0.57
|
0.67
|
-14.93
|
|
Return on average shareholders' equity
|
4.87
|
5.89
|
-17.32
|
| Average assets |
187,323,395 |
184,955,265 |
1.28 |
| Average deposits |
159,803,827 |
157,908,191 |
1.20 |
| Average loans, net of unearned income |
144,753,798 |
149,794,905 |
-3.37 |
| Average shareholders' equity |
21,740,101 |
20,995,807 |
3.54 |
|
CAPITOL AND CREDIT QUALITY RATIOS
|
|
|
|
|
Average Equity to Average Assets
|
11.61% |
11.35%
|
|
|
Allowance for loan losses to loans
|
1.35
|
0.98
|
|
|
Nonperforming assets to total assets
|
2.97
|
0.68
|
|
Stock Information:
The common stock of County First Bank is listed on the Over-the-Counter Bulletin Board. The symbol is CUMD. Additional information can be obtained by contacting Charles Luck with RBC Wealth Management at (800) 247-7223.
|
