Call reports 2006
CUMBERLAND SECURITY BANK, INC. — 2006
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,377,000 | 140,976,000 | 144,890,000 | 151,549,000 |
| Total loans | 101,766,000 | 101,571,000 | 107,866,000 | 111,454,000 |
| Allowance for loan losses | 2,690,000 | 2,784,000 | 2,797,000 | 2,854,000 |
| Securities available for sale | 19,070,000 | 18,885,000 | 23,066,000 | 21,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,435,000 | 121,861,000 | 120,961,000 | 126,046,000 |
| Interest-bearing deposits | 87,532,000 | 84,536,000 | 83,765,000 | 91,378,000 |
| Noninterest-bearing deposits | 35,903,000 | 37,325,000 | 37,196,000 | 34,668,000 |
| Equity capital | 14,529,000 | 14,722,000 | 14,417,000 | 15,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 4,854,000 | 7,512,000 | 10,246,000 |
| Interest expense | 537,000 | 1,181,000 | 1,884,000 | 2,773,000 |
| Net interest income | 1,818,000 | 3,673,000 | 5,628,000 | 7,473,000 |
| Noninterest income | 462,000 | 938,000 | 1,416,000 | 1,912,000 |
| Noninterest expense | 1,304,000 | 2,591,000 | 3,830,000 | 5,037,000 |
| Provision for loan losses | 60,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 916,000 | 1,960,000 | 3,094,000 | 4,168,000 |
| Income tax | 294,000 | 610,000 | 966,000 | 1,299,000 |
| Net income | 622,000 | 1,350,000 | 2,128,000 | 2,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,430,000 | 14,710,000 | 14,267,000 | 14,862,000 |
| Total capital | 15,797,000 | 16,080,000 | 15,707,000 | 16,336,000 |
| Risk-weighted assets | 108,045,000 | 108,084,000 | 115,571,000 | 116,506,000 |
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