Call reports 2001
CUMBERLAND BANK & TRUST — 2001
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 9,860,000 | 17,816,000 | 20,257,000 | 25,103,000 |
| Total loans | 3,190,000 | 7,331,000 | 11,191,000 | 15,550,000 |
| Allowance for loan losses | 40,000 | 92,000 | 139,000 | 194,000 |
| Securities available for sale | 0 | 2,666,000 | 3,673,000 | 3,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,312,000 | 10,379,000 | 12,823,000 | 17,813,000 |
| Interest-bearing deposits | 1,866,000 | 9,132,000 | 11,803,000 | 16,339,000 |
| Noninterest-bearing deposits | 446,000 | 1,247,000 | 1,020,000 | 1,474,000 |
| Equity capital | 7,543,000 | 7,384,000 | 7,347,000 | 7,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 129,000 | 342,000 | 621,000 | 952,000 |
| Interest expense | 6,000 | 80,000 | 188,000 | 324,000 |
| Net interest income | 123,000 | 262,000 | 433,000 | 628,000 |
| Noninterest income | 0 | 9,000 | 22,000 | 46,000 |
| Noninterest expense | 539,000 | 790,000 | 1,025,000 | 1,313,000 |
| Provision for loan losses | 40,000 | 92,000 | 139,000 | 204,000 |
| Pretax income | -456,000 | -611,000 | -709,000 | -843,000 |
| Income tax | 1,000 | 11,000 | 16,000 | 21,000 |
| Net income | -457,000 | -622,000 | -725,000 | -864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,543,000 | 7,378,000 | 7,274,000 | 7,136,000 |
| Total capital | 7,583,000 | 7,470,000 | 7,413,000 | 7,330,000 |
| Risk-weighted assets | 5,002,000 | 9,341,000 | 12,922,000 | 16,854,000 |
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