Financial Highlights
|
AS OF SEPTEMBER 30
|
2012
|
2011
|
% Change
|
|
Assets
|
196,161,328
|
181,004,427
|
8.37
|
|
Deposits
|
171,864,207
|
157,171,036 |
9.35 |
|
Loans, net of unearned income
|
140,392,933
|
142,106,308
|
-1.21
|
|
Shareholders' Equity
|
22,073,831
|
21,566,124
|
2.35
|
| Shares of common stock |
821,212 |
807,219 |
|
| Book value per share |
26.88 |
26.72 |
0.60 |
| Banking offices |
6 |
6 |
|
|
FOR THE NINE MONTHS
|
|
|
|
|
Net Income
|
$ 700,296
|
$ 791,669
|
-11.54
|
|
Basic Income per share
|
0.85
|
0.98
|
-13.27
|
|
Return on average assets
|
0.49%
|
0.57%
|
-14.04
|
|
Return on average shareholders' equity
|
4.20
|
4.87
|
-13.76
|
| Average assets |
191,528,984 |
187,323,477 |
2.25 |
| Average deposits |
166,824,951 |
159,803,827 |
4.39 |
| Average loans, net of unearned income |
139,341,032 |
144,753,798 |
-3.74 |
| Average shareholders' equity |
22,217,486 |
21,740,101 |
2.20 |
|
CAPITOL AND CREDIT QUALITY RATIOS
|
|
|
|
|
Average Equity to Average Assets
|
11.60% |
11.61%
|
|
|
Allowance for loan losses to loans
|
1.60
|
1.35
|
|
|
Nonperforming assets to total assets
|
3.11
|
2.97
|
|
Stock Information:
The common stock of County First Bank is listed on the Over-the-Counter Bulletin Board. The symbol is CUMD.
|
