Call reports 2006
COMMUNITY BANK OF THE CUMBERLANDS — 2006
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,895,000 | 98,844,000 | 103,638,000 | 106,187,000 |
| Total loans | 75,349,000 | 82,395,000 | 85,372,000 | 87,713,000 |
| Allowance for loan losses | 816,000 | 931,000 | 907,000 | 915,000 |
| Securities available for sale | 7,036,000 | 6,712,000 | 7,507,000 | 7,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,554,000 | 90,078,000 | 94,567,000 | 96,928,000 |
| Interest-bearing deposits | 75,381,000 | 78,629,000 | 83,002,000 | 85,485,000 |
| Noninterest-bearing deposits | 11,173,000 | 11,449,000 | 11,565,000 | 11,443,000 |
| Equity capital | 7,567,000 | 7,691,000 | 7,932,000 | 8,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 3,225,000 | 5,120,000 | 7,105,000 |
| Interest expense | 618,000 | 1,306,000 | 2,094,000 | 2,957,000 |
| Net interest income | 900,000 | 1,919,000 | 3,026,000 | 4,148,000 |
| Noninterest income | 215,000 | 404,000 | 626,000 | 828,000 |
| Noninterest expense | 838,000 | 1,685,000 | 2,554,000 | 3,473,000 |
| Provision for loan losses | 11,000 | 149,000 | 301,000 | 361,000 |
| Pretax income | 266,000 | 489,000 | 797,000 | 1,142,000 |
| Income tax | 102,000 | 187,000 | 297,000 | 429,000 |
| Net income | 164,000 | 302,000 | 500,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,686,000 | 7,824,000 | 8,022,000 | 8,235,000 |
| Total capital | 8,502,000 | 8,755,000 | 8,929,000 | 9,150,000 |
| Risk-weighted assets | 77,072,000 | 82,639,000 | 86,441,000 | 88,833,000 |
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