Call reports 2006
CUMBERLAND BANK & TRUST — 2006
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,586,000 | 93,979,000 | 98,171,000 | 102,535,000 |
| Total loans | 71,873,000 | 72,303,000 | 74,550,000 | 76,349,000 |
| Allowance for loan losses | 965,000 | 973,000 | 992,000 | 977,000 |
| Securities available for sale | 12,837,000 | 13,559,000 | 14,155,000 | 17,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,441,000 | 79,989,000 | 83,793,000 | 87,829,000 |
| Interest-bearing deposits | 69,140,000 | 70,340,000 | 73,544,000 | 75,762,000 |
| Noninterest-bearing deposits | 10,301,000 | 9,649,000 | 10,249,000 | 12,067,000 |
| Equity capital | 8,049,000 | 8,214,000 | 8,643,000 | 8,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,087,000 | 4,788,000 | 6,559,000 |
| Interest expense | 591,000 | 1,276,000 | 2,035,000 | 2,886,000 |
| Net interest income | 888,000 | 1,811,000 | 2,753,000 | 3,673,000 |
| Noninterest income | 162,000 | 380,000 | 636,000 | 905,000 |
| Noninterest expense | 740,000 | 1,515,000 | 2,345,000 | 3,222,000 |
| Provision for loan losses | 0 | 15,000 | 34,000 | 46,000 |
| Pretax income | 310,000 | 661,000 | 1,010,000 | 1,310,000 |
| Income tax | 119,000 | 247,000 | 376,000 | 461,000 |
| Net income | 191,000 | 414,000 | 634,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,223,000 | 8,446,000 | 8,785,000 | 9,001,000 |
| Total capital | 9,071,000 | 9,321,000 | 9,689,000 | 9,883,000 |
| Risk-weighted assets | 67,804,000 | 69,873,000 | 72,227,000 | 76,827,000 |
Machine access — free, no API key
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