Call reports 2008
COMMUNITY BANK OF THE CUMBERLANDS — 2008
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,308,000 | 126,186,000 | 127,704,000 | 124,154,000 |
| Total loans | 98,643,000 | 105,322,000 | 108,526,000 | 105,626,000 |
| Allowance for loan losses | 1,226,000 | 1,297,000 | 1,291,000 | 2,948,000 |
| Securities available for sale | 9,675,000 | 8,079,000 | 8,075,000 | 7,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,159,000 | 116,025,000 | 114,721,000 | 116,205,000 |
| Interest-bearing deposits | 99,250,000 | 102,818,000 | 102,158,000 | 103,902,000 |
| Noninterest-bearing deposits | 11,909,000 | 13,207,000 | 12,563,000 | 12,303,000 |
| Equity capital | 9,102,000 | 9,062,000 | 9,020,000 | 6,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,183,000 | 4,288,000 | 6,439,000 | 8,304,000 |
| Interest expense | 1,058,000 | 2,045,000 | 2,974,000 | 3,866,000 |
| Net interest income | 1,125,000 | 2,243,000 | 3,465,000 | 4,438,000 |
| Noninterest income | 248,000 | 458,000 | 516,000 | 480,000 |
| Noninterest expense | 1,054,000 | 2,151,000 | 3,179,000 | 4,519,000 |
| Provision for loan losses | 171,000 | 341,000 | 768,000 | 2,924,000 |
| Pretax income | 156,000 | 217,000 | 42,000 | -2,617,000 |
| Income tax | 53,000 | 50,000 | 0 | -378,000 |
| Net income | 103,000 | 167,000 | 42,000 | -2,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,085,000 | 9,150,000 | 9,025,000 | 6,745,000 |
| Total capital | 10,311,000 | 10,447,000 | 10,294,000 | 8,002,000 |
| Risk-weighted assets | 100,501,000 | 104,386,000 | 100,706,000 | 98,763,000 |
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