Call reports 2017
CUMBERLAND SECURITY BANK, INC. — 2017
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 192,863,000 | 186,913,000 | 188,569,000 | 190,530,000 |
| Total loans | 148,934,000 | 151,305,000 | 154,730,000 | 155,950,000 |
| Allowance for loan losses | 4,472,000 | 4,494,000 | 4,515,000 | 4,543,000 |
| Securities available for sale | 18,738,000 | 17,999,000 | 17,438,000 | 17,967,000 |
| Securities held to maturity | 6,055,000 | 6,045,000 | 6,036,000 | 5,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,624,000 | 158,283,000 | 162,146,000 | 164,490,000 |
| Interest-bearing deposits | 106,890,000 | 100,688,000 | 101,689,000 | 108,195,000 |
| Noninterest-bearing deposits | 57,734,000 | 57,595,000 | 60,457,000 | 56,295,000 |
| Equity capital | 24,623,000 | 24,876,000 | 25,554,000 | 25,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,077,000 | 4,213,000 | 6,425,000 | 8,692,000 |
| Interest expense | 87,000 | 174,000 | 259,000 | 326,000 |
| Net interest income | 1,990,000 | 4,039,000 | 6,166,000 | 8,366,000 |
| Noninterest income | 521,000 | 1,062,000 | 1,597,000 | 2,133,000 |
| Noninterest expense | 1,358,000 | 2,704,000 | 4,053,000 | 5,383,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 111,000 |
| Pretax income | 1,129,000 | 2,349,000 | 3,638,000 | 5,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,129,000 | 2,349,000 | 3,638,000 | 5,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,611,000 | 24,831,000 | 25,520,000 | 25,336,000 |
| Total capital | 26,455,000 | 26,721,000 | 27,409,000 | 27,249,000 |
| Risk-weighted assets | 144,899,000 | 148,568,000 | 148,477,000 | 150,399,000 |