Call reports 2018
CUMBERLAND SECURITY BANK, INC. — 2018
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 203,141,000 | 198,264,000 | 204,939,000 | 204,761,000 |
| Total loans | 163,573,000 | 165,349,000 | 163,415,000 | 164,410,000 |
| Allowance for loan losses | 4,602,000 | 4,641,000 | 4,679,000 | 4,608,000 |
| Securities available for sale | 18,784,000 | 19,841,000 | 22,605,000 | 22,390,000 |
| Securities held to maturity | 4,518,000 | 3,013,000 | 3,008,000 | 2,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,530,000 | 170,939,000 | 176,531,000 | 176,610,000 |
| Interest-bearing deposits | 117,220,000 | 110,231,000 | 115,627,000 | 113,952,000 |
| Noninterest-bearing deposits | 59,309,000 | 60,708,000 | 60,904,000 | 62,658,000 |
| Equity capital | 25,958,000 | 26,488,000 | 27,478,000 | 27,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,281,000 | 4,665,000 | 7,145,000 | 9,740,000 |
| Interest expense | 82,000 | 183,000 | 311,000 | 463,000 |
| Net interest income | 2,199,000 | 4,482,000 | 6,834,000 | 9,277,000 |
| Noninterest income | 564,000 | 1,152,000 | 1,750,000 | 2,287,000 |
| Noninterest expense | 1,414,000 | 2,785,000 | 4,156,000 | 5,485,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 1,310,000 | 2,771,000 | 4,311,000 | 5,923,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,310,000 | 2,771,000 | 4,311,000 | 5,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,079,000 | 26,595,000 | 27,611,000 | 27,472,000 |
| Total capital | 28,119,000 | 28,589,000 | 29,617,000 | 29,461,000 |
| Risk-weighted assets | 160,674,000 | 156,864,000 | 157,825,000 | 156,511,000 |