Call reports 2003
CUMBERLAND SECURITY BANK, INC. — 2003
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 133,106,000 | 133,316,000 | 131,045,000 | 131,200,000 |
| Total loans | 93,198,000 | 99,062,000 | 97,022,000 | 100,302,000 |
| Allowance for loan losses | 1,845,000 | 1,952,000 | 2,177,000 | 2,298,000 |
| Securities available for sale | 20,557,000 | 17,460,000 | 17,627,000 | 17,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,314,000 | 114,910,000 | 112,885,000 | 110,670,000 |
| Interest-bearing deposits | 80,197,000 | 81,503,000 | 81,577,000 | 79,046,000 |
| Noninterest-bearing deposits | 33,117,000 | 33,407,000 | 31,308,000 | 31,624,000 |
| Equity capital | 11,855,000 | 12,631,000 | 12,343,000 | 12,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,984,000 | 4,173,000 | 6,140,000 | 8,106,000 |
| Interest expense | 530,000 | 1,013,000 | 1,428,000 | 1,804,000 |
| Net interest income | 1,454,000 | 3,160,000 | 4,712,000 | 6,302,000 |
| Noninterest income | 740,000 | 1,625,000 | 2,031,000 | 2,618,000 |
| Noninterest expense | 1,191,000 | 2,585,000 | 3,292,000 | 4,337,000 |
| Provision for loan losses | 106,000 | 232,000 | 536,000 | 699,000 |
| Pretax income | 897,000 | 1,970,000 | 2,917,000 | 3,886,000 |
| Income tax | 274,000 | 621,000 | 910,000 | 1,215,000 |
| Net income | 623,000 | 1,349,000 | 2,007,000 | 2,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,271,000 | 11,907,000 | 11,750,000 | 12,263,000 |
| Total capital | 12,442,000 | 13,146,000 | 12,982,000 | 13,539,000 |
| Risk-weighted assets | 93,013,000 | 98,441,000 | 97,609,000 | 101,027,000 |
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