Call reports 2015
CUMBERLAND SECURITY BANK, INC. — 2015
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 166,948,000 | 171,261,000 | 168,412,000 | 177,155,000 |
| Total loans | 130,602,000 | 129,984,000 | 133,602,000 | 131,167,000 |
| Allowance for loan losses | 4,492,000 | 4,530,000 | 4,526,000 | 4,232,000 |
| Securities available for sale | 21,667,000 | 22,868,000 | 22,895,000 | 19,681,000 |
| Securities held to maturity | 0 | 1,042,000 | 1,038,000 | 5,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,266,000 | 144,400,000 | 140,986,000 | 150,414,000 |
| Interest-bearing deposits | 89,485,000 | 93,415,000 | 91,722,000 | 95,828,000 |
| Noninterest-bearing deposits | 50,781,000 | 50,985,000 | 49,264,000 | 54,585,000 |
| Equity capital | 22,702,000 | 22,802,000 | 23,297,000 | 22,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,826,000 | 3,748,000 | 5,685,000 | 7,597,000 |
| Interest expense | 74,000 | 149,000 | 225,000 | 300,000 |
| Net interest income | 1,752,000 | 3,599,000 | 5,460,000 | 7,297,000 |
| Noninterest income | 503,000 | 1,025,000 | 1,490,000 | 2,028,000 |
| Noninterest expense | 1,348,000 | 2,680,000 | 4,024,000 | 5,341,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 527,000 |
| Pretax income | 862,000 | 1,835,000 | 2,791,000 | 3,457,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 862,000 | 1,835,000 | 2,791,000 | 3,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,531,000 | 22,704,000 | 23,160,000 | 22,726,000 |
| Total capital | 24,055,000 | 24,369,000 | 24,777,000 | 24,401,000 |
| Risk-weighted assets | 119,012,000 | 130,320,000 | 126,426,000 | 131,420,000 |