Call reports 2011
COMMUNITY BANK OF THE CUMBERLANDS — 2011
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 125,227,000 | 133,888,000 | 142,896,000 | 165,006,000 |
| Total loans | 80,946,000 | 104,494,000 | 112,878,000 | 135,479,000 |
| Allowance for loan losses | 1,939,000 | 1,885,000 | 1,856,000 | 1,689,000 |
| Securities available for sale | 18,326,000 | 14,645,000 | 14,589,000 | 13,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,991,000 | 116,117,000 | 123,298,000 | 146,014,000 |
| Interest-bearing deposits | 95,719,000 | 102,404,000 | 109,206,000 | 130,258,000 |
| Noninterest-bearing deposits | 12,272,000 | 13,713,000 | 14,092,000 | 15,756,000 |
| Equity capital | 15,624,000 | 16,161,000 | 16,651,000 | 17,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,093,000 | 3,900,000 | 5,650,000 | 8,102,000 |
| Interest expense | 327,000 | 659,000 | 988,000 | 1,327,000 |
| Net interest income | 1,766,000 | 3,241,000 | 4,662,000 | 6,775,000 |
| Noninterest income | 183,000 | 248,000 | 589,000 | 622,000 |
| Noninterest expense | 1,410,000 | 2,749,000 | 4,212,000 | 5,693,000 |
| Provision for loan losses | 0 | 6,000 | 6,000 | 73,000 |
| Pretax income | 539,000 | 815,000 | 1,114,000 | 1,712,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 539,000 | 815,000 | 1,114,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,325,000 | 14,767,000 | 15,031,000 | 15,906,000 |
| Total capital | 15,337,000 | 15,796,000 | 16,084,000 | 17,043,000 |
| Risk-weighted assets | 80,024,000 | 81,447,000 | 83,402,000 | 90,565,000 |