Call reports 2005
CUMBERLAND BANK & TRUST — 2005
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 84,449,000 | 82,209,000 | 84,829,000 | 86,666,000 |
| Total loans | 63,533,000 | 65,158,000 | 68,427,000 | 70,091,000 |
| Allowance for loan losses | 927,000 | 941,000 | 968,000 | 968,000 |
| Securities available for sale | 12,952,000 | 12,294,000 | 12,060,000 | 10,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,704,000 | 67,848,000 | 70,421,000 | 72,149,000 |
| Interest-bearing deposits | 60,595,000 | 58,995,000 | 59,720,000 | 62,957,000 |
| Noninterest-bearing deposits | 9,109,000 | 8,853,000 | 10,701,000 | 9,192,000 |
| Equity capital | 7,679,000 | 7,922,000 | 8,121,000 | 7,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,266,000 | 2,677,000 | 3,754,000 | 5,152,000 |
| Interest expense | 403,000 | 849,000 | 1,338,000 | 1,881,000 |
| Net interest income | 863,000 | 1,828,000 | 2,416,000 | 3,271,000 |
| Noninterest income | 52,000 | 129,000 | 542,000 | 705,000 |
| Noninterest expense | 589,000 | 1,252,000 | 1,954,000 | 2,716,000 |
| Provision for loan losses | 49,000 | 63,000 | 94,000 | 94,000 |
| Pretax income | 277,000 | 642,000 | 910,000 | 1,166,000 |
| Income tax | 17,000 | 170,000 | 235,000 | 294,000 |
| Net income | 260,000 | 472,000 | 675,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,822,000 | 8,033,000 | 8,235,000 | 8,032,000 |
| Total capital | 8,589,000 | 8,811,000 | 9,026,000 | 8,839,000 |
| Risk-weighted assets | 61,226,000 | 62,050,000 | 63,867,000 | 64,830,000 |
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