Call reports 2003
COMMUNITY BANK OF THE CUMBERLANDS — 2003
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,059,000 | 61,141,000 | 59,760,000 | 62,806,000 |
| Total loans | 45,441,000 | 44,041,000 | 45,067,000 | 46,382,000 |
| Allowance for loan losses | 1,061,000 | 958,000 | 959,000 | 941,000 |
| Securities available for sale | 9,121,000 | 10,280,000 | 8,636,000 | 8,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,856,000 | 54,809,000 | 53,640,000 | 56,570,000 |
| Interest-bearing deposits | 48,876,000 | 48,029,000 | 47,257,000 | 48,280,000 |
| Noninterest-bearing deposits | 6,980,000 | 6,780,000 | 6,383,000 | 8,290,000 |
| Equity capital | 5,819,000 | 5,929,000 | 5,788,000 | 5,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,865,000 | 2,784,000 | 3,683,000 |
| Interest expense | 393,000 | 760,000 | 1,111,000 | 1,449,000 |
| Net interest income | 550,000 | 1,105,000 | 1,673,000 | 2,234,000 |
| Noninterest income | 133,000 | 328,000 | 484,000 | 735,000 |
| Noninterest expense | 662,000 | 1,315,000 | 1,947,000 | 2,589,000 |
| Provision for loan losses | 27,000 | 54,000 | 99,000 | 216,000 |
| Pretax income | -6,000 | 64,000 | 111,000 | 164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -6,000 | 64,000 | 111,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,731,000 | 5,802,000 | 5,849,000 | 5,901,000 |
| Total capital | 6,311,000 | 6,371,000 | 6,425,000 | 6,500,000 |
| Risk-weighted assets | 45,919,000 | 45,148,000 | 45,690,000 | 47,550,000 |
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