Call reports 2025
CUMBERLAND SECURITY BANK, INC. — 2025
What CUMBERLAND SECURITY BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 372,452,000 | 414,088,000 | 419,485,000 | 427,367,000 |
| Total loans | 320,281,000 | 333,110,000 | 340,186,000 | 349,438,000 |
| Allowance for loan losses | 8,472,000 | 8,423,000 | 8,458,000 | 9,240,000 |
| Securities available for sale | 37,431,000 | 36,338,000 | 33,923,000 | 34,661,000 |
| Securities held to maturity | 1,998,000 | 1,998,000 | 1,999,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,143,000 | 358,016,000 | 358,721,000 | 371,707,000 |
| Interest-bearing deposits | 194,462,000 | 215,200,000 | 223,217,000 | 233,668,000 |
| Noninterest-bearing deposits | 126,681,000 | 142,816,000 | 135,504,000 | 138,039,000 |
| Equity capital | 50,561,000 | 54,932,000 | 59,379,000 | 54,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,920,000 | 12,912,000 | 19,696,000 | 26,586,000 |
| Interest expense | 941,000 | 1,878,000 | 2,811,000 | 4,100,000 |
| Net interest income | 4,979,000 | 11,034,000 | 16,885,000 | 22,486,000 |
| Noninterest income | 664,000 | 1,386,000 | 2,146,000 | 2,862,000 |
| Noninterest expense | 2,097,000 | 4,313,000 | 6,432,000 | 8,390,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,000,000 |
| Pretax income | 3,483,000 | 7,967,000 | 12,389,000 | 15,930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,483,000 | 7,967,000 | 12,389,000 | 15,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,941,000 | 55,126,000 | 59,347,000 | 54,681,000 |
| Total capital | 54,859,000 | 59,214,000 | 63,510,000 | 59,038,000 |
| Risk-weighted assets | 308,635,000 | 322,397,000 | 328,466,000 | 343,386,000 |