Call reports 2009
COMMUNITY BANK OF THE CUMBERLANDS — 2009
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,880,000 | 123,313,000 | 121,872,000 | 142,397,000 |
| Total loans | 105,818,000 | 102,552,000 | 102,829,000 | 93,069,000 |
| Allowance for loan losses | 2,546,000 | 2,656,000 | 2,460,000 | 734,000 |
| Securities available for sale | 7,794,000 | 7,531,000 | 7,368,000 | 12,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,845,000 | 116,967,000 | 115,630,000 | 116,891,000 |
| Interest-bearing deposits | 107,892,000 | 99,091,000 | 99,240,000 | 101,906,000 |
| Noninterest-bearing deposits | 12,953,000 | 17,876,000 | 16,390,000 | 14,985,000 |
| Equity capital | 6,798,000 | 5,151,000 | 5,042,000 | 23,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,468,000 | 5,087,000 | 1,184,000 |
| Interest expense | 844,000 | 1,614,000 | 2,299,000 | 143,000 |
| Net interest income | 911,000 | 1,854,000 | 2,788,000 | 1,041,000 |
| Noninterest income | 206,000 | 367,000 | 576,000 | 136,000 |
| Noninterest expense | 1,142,000 | 2,272,000 | 3,458,000 | 524,000 |
| Provision for loan losses | 0 | 1,575,000 | 1,695,000 | 734,000 |
| Pretax income | -25,000 | -1,626,000 | -1,789,000 | -81,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -25,000 | -1,626,000 | -1,789,000 | -81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,719,000 | 5,118,000 | 4,955,000 | 11,748,000 |
| Total capital | 7,979,000 | 6,329,000 | 6,165,000 | 12,482,000 |
| Risk-weighted assets | 99,417,000 | 95,462,000 | 95,513,000 | 103,410,000 |