Call reports 2010
COMMUNITY BANK OF THE CUMBERLANDS — 2010
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 139,862,000 | 138,916,000 | 133,564,000 | 121,701,000 |
| Total loans | 86,828,000 | 83,959,000 | 90,618,000 | 84,406,000 |
| Allowance for loan losses | 1,294,000 | 1,576,000 | 2,339,000 | 2,066,000 |
| Securities available for sale | 16,702,000 | 21,220,000 | 10,971,000 | 16,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,045,000 | 112,481,000 | 107,956,000 | 105,094,000 |
| Interest-bearing deposits | 100,779,000 | 98,845,000 | 93,730,000 | 90,983,000 |
| Noninterest-bearing deposits | 13,266,000 | 13,636,000 | 14,226,000 | 14,111,000 |
| Equity capital | 23,946,000 | 24,448,000 | 23,833,000 | 14,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,163,000 | 4,094,000 | 5,962,000 | 8,259,000 |
| Interest expense | 398,000 | 773,000 | 1,105,000 | 1,377,000 |
| Net interest income | 1,765,000 | 3,321,000 | 4,857,000 | 6,882,000 |
| Noninterest income | 223,000 | 443,000 | 660,000 | 746,000 |
| Noninterest expense | 1,230,000 | 2,460,000 | 3,763,000 | 5,269,000 |
| Provision for loan losses | 493,000 | 749,000 | 1,964,000 | 2,066,000 |
| Pretax income | 265,000 | 555,000 | -43,000 | 451,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 265,000 | 555,000 | -43,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,082,000 | 12,440,000 | 11,909,000 | 13,720,000 |
| Total capital | 13,327,000 | 13,656,000 | 13,087,000 | 14,751,000 |
| Risk-weighted assets | 99,612,000 | 96,959,000 | 93,095,000 | 81,434,000 |