Call reports 2002
CUMBERLAND SECURITY BANK, INC. — 2002
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 126,245,000 | 126,136,000 | 128,917,000 | 130,950,000 |
| Total loans | 89,967,000 | 91,606,000 | 89,713,000 | 90,108,000 |
| Allowance for loan losses | 1,346,000 | 1,562,000 | 1,887,000 | 1,763,000 |
| Securities available for sale | 15,008,000 | 14,859,000 | 16,500,000 | 24,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,447,000 | 107,945,000 | 110,234,000 | 110,436,000 |
| Interest-bearing deposits | 80,337,000 | 81,683,000 | 82,427,000 | 82,233,000 |
| Noninterest-bearing deposits | 26,110,000 | 26,262,000 | 27,807,000 | 28,203,000 |
| Equity capital | 10,085,000 | 10,580,000 | 10,838,000 | 11,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 3,996,000 | 6,176,000 | 8,330,000 |
| Interest expense | 682,000 | 1,350,000 | 2,019,000 | 2,654,000 |
| Net interest income | 1,370,000 | 2,646,000 | 4,157,000 | 5,676,000 |
| Noninterest income | 589,000 | 1,628,000 | 2,625,000 | 3,517,000 |
| Noninterest expense | 1,021,000 | 2,041,000 | 3,380,000 | 4,617,000 |
| Provision for loan losses | 106,000 | 361,000 | 787,000 | 1,025,000 |
| Pretax income | 832,000 | 1,872,000 | 2,615,000 | 3,551,000 |
| Income tax | 0 | -22,000 | -22,000 | -78,000 |
| Net income | 832,000 | 1,894,000 | 2,637,000 | 3,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,638,000 | 9,895,000 | 9,912,000 | 10,787,000 |
| Total capital | 10,774,000 | 11,065,000 | 11,058,000 | 11,944,000 |
| Risk-weighted assets | 90,695,000 | 93,226,000 | 90,914,000 | 91,988,000 |
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