Call reports 2005
COMMUNITY BANK OF THE CUMBERLANDS — 2005
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,626,000 | 77,986,000 | 86,979,000 | 88,750,000 |
| Total loans | 58,854,000 | 63,887,000 | 68,880,000 | 71,447,000 |
| Allowance for loan losses | 737,000 | 772,000 | 809,000 | 796,000 |
| Securities available for sale | 7,476,000 | 7,108,000 | 7,494,000 | 7,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,737,000 | 70,858,000 | 79,284,000 | 80,829,000 |
| Interest-bearing deposits | 56,991,000 | 60,396,000 | 69,674,000 | 69,502,000 |
| Noninterest-bearing deposits | 10,746,000 | 10,462,000 | 9,610,000 | 11,327,000 |
| Equity capital | 6,582,000 | 6,795,000 | 7,264,000 | 7,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,068,000 | 2,251,000 | 3,599,000 | 5,043,000 |
| Interest expense | 376,000 | 806,000 | 1,315,000 | 1,899,000 |
| Net interest income | 692,000 | 1,445,000 | 2,284,000 | 3,144,000 |
| Noninterest income | 233,000 | 431,000 | 669,000 | 860,000 |
| Noninterest expense | 696,000 | 1,407,000 | 2,162,000 | 2,990,000 |
| Provision for loan losses | 33,000 | 94,000 | 225,000 | 225,000 |
| Pretax income | 196,000 | 375,000 | 566,000 | 789,000 |
| Income tax | 0 | 0 | -287,000 | -202,000 |
| Net income | 196,000 | 375,000 | 853,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,726,000 | 6,905,000 | 7,383,000 | 7,522,000 |
| Total capital | 7,463,000 | 7,677,000 | 8,192,000 | 8,318,000 |
| Risk-weighted assets | 59,377,000 | 64,034,000 | 69,040,000 | 72,050,000 |
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