Call reports 2009
CUMBERLAND SECURITY BANK, INC. — 2009
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 185,162,000 | 165,743,000 | 172,960,000 | 169,815,000 |
| Total loans | 125,854,000 | 123,099,000 | 128,194,000 | 126,923,000 |
| Allowance for loan losses | 2,742,000 | 2,923,000 | 3,003,000 | 3,562,000 |
| Securities available for sale | 19,531,000 | 24,916,000 | 25,072,000 | 23,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,881,000 | 128,335,000 | 135,106,000 | 132,042,000 |
| Interest-bearing deposits | 98,814,000 | 92,004,000 | 94,207,000 | 91,847,000 |
| Noninterest-bearing deposits | 49,067,000 | 36,331,000 | 40,899,000 | 40,196,000 |
| Equity capital | 19,309,000 | 19,329,000 | 19,847,000 | 20,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,654,000 | 6,927,000 | 9,208,000 |
| Interest expense | 624,000 | 1,193,000 | 1,692,000 | 2,140,000 |
| Net interest income | 1,771,000 | 3,461,000 | 5,235,000 | 7,068,000 |
| Noninterest income | 886,000 | 1,933,000 | 2,598,000 | 3,221,000 |
| Noninterest expense | 1,461,000 | 2,964,000 | 4,357,000 | 5,582,000 |
| Provision for loan losses | 150,000 | 500,000 | 700,000 | 1,350,000 |
| Pretax income | 1,050,000 | 1,939,000 | 2,805,000 | 3,386,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,050,000 | 1,939,000 | 2,805,000 | 3,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,699,000 | 18,742,000 | 19,056,000 | 19,283,000 |
| Total capital | 20,359,000 | 20,366,000 | 20,736,000 | 20,950,000 |
| Risk-weighted assets | 131,686,000 | 129,627,000 | 133,070,000 | 131,452,000 |