Call reports 2007
CUMBERLAND SECURITY BANK, INC. — 2007
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 157,983,000 | 153,846,000 | 159,495,000 | 156,384,000 |
| Total loans | 114,091,000 | 119,726,000 | 125,020,000 | 124,417,000 |
| Allowance for loan losses | 2,900,000 | 2,924,000 | 2,964,000 | 2,975,000 |
| Securities available for sale | 20,474,000 | 17,430,000 | 15,378,000 | 15,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,816,000 | 129,530,000 | 128,858,000 | 130,382,000 |
| Interest-bearing deposits | 97,234,000 | 96,555,000 | 97,001,000 | 97,119,000 |
| Noninterest-bearing deposits | 34,582,000 | 32,975,000 | 31,858,000 | 33,263,000 |
| Equity capital | 15,600,000 | 15,797,000 | 16,027,000 | 16,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,819,000 | 5,735,000 | 8,614,000 | 11,481,000 |
| Interest expense | 960,000 | 1,912,000 | 2,882,000 | 3,831,000 |
| Net interest income | 1,859,000 | 3,823,000 | 5,732,000 | 7,650,000 |
| Noninterest income | 503,000 | 969,000 | 1,454,000 | 1,979,000 |
| Noninterest expense | 1,336,000 | 2,689,000 | 3,991,000 | 5,258,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 972,000 | 1,989,000 | 3,028,000 | 4,144,000 |
| Income tax | 305,000 | 618,000 | 945,000 | 1,299,000 |
| Net income | 667,000 | 1,371,000 | 2,083,000 | 2,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,434,000 | 15,718,000 | 15,859,000 | 16,123,000 |
| Total capital | 16,908,000 | 17,222,000 | 17,427,000 | 17,649,000 |
| Risk-weighted assets | 116,497,000 | 118,881,000 | 124,061,000 | 123,173,000 |
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