Call reports 2012
COMMUNITY BANK OF THE CUMBERLANDS — 2012
What COMMUNITY BANK OF THE CUMBERLANDS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 167,926,000 | 174,701,000 | 177,158,000 | 173,794,000 |
| Total loans | 128,592,000 | 144,191,000 | 146,584,000 | 136,215,000 |
| Allowance for loan losses | 1,725,000 | 1,769,000 | 1,813,000 | 2,015,000 |
| Securities available for sale | 13,289,000 | 12,210,000 | 12,022,000 | 10,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,376,000 | 154,387,000 | 156,266,000 | 151,699,000 |
| Interest-bearing deposits | 131,337,000 | 139,772,000 | 142,254,000 | 135,967,000 |
| Noninterest-bearing deposits | 17,039,000 | 14,615,000 | 14,012,000 | 15,732,000 |
| Equity capital | 18,032,000 | 18,718,000 | 19,489,000 | 19,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 4,758,000 | 7,311,000 | 9,320,000 |
| Interest expense | 384,000 | 762,000 | 1,144,000 | 1,517,000 |
| Net interest income | 1,958,000 | 3,996,000 | 6,167,000 | 7,803,000 |
| Noninterest income | 183,000 | 374,000 | 579,000 | 772,000 |
| Noninterest expense | 1,368,000 | 2,734,000 | 4,218,000 | 7,045,000 |
| Provision for loan losses | 201,000 | 388,000 | 551,000 | 817,000 |
| Pretax income | 572,000 | 1,277,000 | 2,006,000 | 742,000 |
| Income tax | 0 | 0 | 0 | -2,004,000 |
| Net income | 572,000 | 1,277,000 | 2,006,000 | 2,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,540,000 | 17,281,000 | 18,047,000 | 18,794,000 |
| Total capital | 17,698,000 | 18,438,000 | 19,385,000 | 19,889,000 |
| Risk-weighted assets | 92,034,000 | 103,141,000 | 106,562,000 | 101,727,000 |