Call reports 2012
CUMBERLAND SECURITY BANK, INC. — 2012
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,922,000 | 162,102,000 | 163,748,000 | 161,987,000 |
| Total loans | 120,230,000 | 119,851,000 | 122,446,000 | 120,264,000 |
| Allowance for loan losses | 3,573,000 | 3,765,000 | 4,002,000 | 4,466,000 |
| Securities available for sale | 23,829,000 | 24,737,000 | 18,740,000 | 21,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,147,000 | 130,240,000 | 134,354,000 | 132,497,000 |
| Interest-bearing deposits | 88,786,000 | 87,104,000 | 87,671,000 | 86,308,000 |
| Noninterest-bearing deposits | 41,361,000 | 43,136,000 | 46,683,000 | 46,189,000 |
| Equity capital | 21,321,000 | 20,388,000 | 20,890,000 | 21,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 3,987,000 | 5,929,000 | 7,845,000 |
| Interest expense | 217,000 | 423,000 | 588,000 | 741,000 |
| Net interest income | 1,793,000 | 3,564,000 | 5,341,000 | 7,104,000 |
| Noninterest income | 677,000 | 1,448,000 | 2,338,000 | 3,133,000 |
| Noninterest expense | 1,402,000 | 2,797,000 | 4,187,000 | 5,440,000 |
| Provision for loan losses | 205,000 | 455,000 | 825,000 | 1,790,000 |
| Pretax income | 863,000 | 1,760,000 | 2,667,000 | 3,007,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 862,000 | 1,759,000 | 2,666,000 | 3,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,541,000 | 19,613,000 | 20,115,000 | 20,434,000 |
| Total capital | 22,085,000 | 21,144,000 | 21,656,000 | 21,962,000 |
| Risk-weighted assets | 121,522,000 | 120,278,000 | 120,858,000 | 119,286,000 |