Call reports 2004
CUMBERLAND BANK & TRUST — 2004
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,717,000 | 76,113,000 | 76,919,000 | 81,324,000 |
| Total loans | 51,843,000 | 56,266,000 | 58,940,000 | 62,858,000 |
| Allowance for loan losses | 658,000 | 761,000 | 822,000 | 878,000 |
| Securities available for sale | 11,217,000 | 12,639,000 | 13,117,000 | 12,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,819,000 | 62,396,000 | 62,894,000 | 67,237,000 |
| Interest-bearing deposits | 52,627,000 | 55,106,000 | 56,301,000 | 58,798,000 |
| Noninterest-bearing deposits | 6,192,000 | 7,290,000 | 6,593,000 | 8,439,000 |
| Equity capital | 7,158,000 | 7,018,000 | 7,324,000 | 7,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,836,000 | 2,912,000 | 4,097,000 |
| Interest expense | 323,000 | 684,000 | 1,047,000 | 1,435,000 |
| Net interest income | 544,000 | 1,152,000 | 1,865,000 | 2,662,000 |
| Noninterest income | 45,000 | 113,000 | 173,000 | 237,000 |
| Noninterest expense | 461,000 | 933,000 | 1,485,000 | 2,065,000 |
| Provision for loan losses | 74,000 | 172,000 | 244,000 | 311,000 |
| Pretax income | 54,000 | 160,000 | 309,000 | 523,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 17,000 |
| Net income | 50,000 | 152,000 | 297,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,105,000 | 7,207,000 | 7,351,000 | 7,561,000 |
| Total capital | 7,723,000 | 7,867,000 | 8,046,000 | 8,304,000 |
| Risk-weighted assets | 49,415,000 | 52,711,000 | 55,434,000 | 59,289,000 |
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