Call reports 2004
COMMUNITY BANK OF THE CUMBERLANDS — 2004
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,431,000 | 61,775,000 | 65,164,000 | 68,369,000 |
| Total loans | 45,879,000 | 46,570,000 | 50,737,000 | 54,550,000 |
| Allowance for loan losses | 834,000 | 798,000 | 789,000 | 727,000 |
| Securities available for sale | 9,185,000 | 7,900,000 | 6,780,000 | 6,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,059,000 | 55,575,000 | 58,752,000 | 61,531,000 |
| Interest-bearing deposits | 47,416,000 | 47,285,000 | 49,185,000 | 52,120,000 |
| Noninterest-bearing deposits | 9,643,000 | 8,290,000 | 9,567,000 | 9,411,000 |
| Equity capital | 6,039,000 | 5,845,000 | 6,109,000 | 6,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,800,000 | 2,749,000 | 3,828,000 |
| Interest expense | 333,000 | 651,000 | 978,000 | 1,322,000 |
| Net interest income | 569,000 | 1,149,000 | 1,771,000 | 2,506,000 |
| Noninterest income | 114,000 | 287,000 | 406,000 | 560,000 |
| Noninterest expense | 621,000 | 1,262,000 | 1,934,000 | 2,610,000 |
| Provision for loan losses | 3,000 | 5,000 | 9,000 | 27,000 |
| Pretax income | 59,000 | 171,000 | 234,000 | 429,000 |
| Income tax | 0 | 0 | 0 | -200,000 |
| Net income | 59,000 | 171,000 | 234,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,960,000 | 6,072,000 | 6,135,000 | 6,530,000 |
| Total capital | 6,556,000 | 6,657,000 | 6,770,000 | 7,219,000 |
| Risk-weighted assets | 47,443,000 | 46,608,000 | 50,655,000 | 55,095,000 |
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