Call reports 2007
CUMBERLAND BANK & TRUST — 2007
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 107,049,000 | 108,852,000 | 111,203,000 | 114,355,000 |
| Total loans | 81,837,000 | 84,559,000 | 86,148,000 | 88,107,000 |
| Allowance for loan losses | 1,007,000 | 988,000 | 989,000 | 945,000 |
| Securities available for sale | 16,791,000 | 16,118,000 | 16,741,000 | 17,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,624,000 | 93,686,000 | 95,451,000 | 94,256,000 |
| Interest-bearing deposits | 74,189,000 | 81,935,000 | 83,112,000 | 81,138,000 |
| Noninterest-bearing deposits | 17,435,000 | 11,751,000 | 12,339,000 | 13,118,000 |
| Equity capital | 8,914,000 | 8,967,000 | 9,358,000 | 9,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,637,000 | 5,601,000 | 7,509,000 |
| Interest expense | 866,000 | 1,812,000 | 2,785,000 | 3,801,000 |
| Net interest income | 903,000 | 1,825,000 | 2,816,000 | 3,708,000 |
| Noninterest income | 288,000 | 636,000 | 973,000 | 1,214,000 |
| Noninterest expense | 867,000 | 1,780,000 | 2,779,000 | 3,662,000 |
| Provision for loan losses | 35,000 | 38,000 | 42,000 | 6,000 |
| Pretax income | 289,000 | 643,000 | 968,000 | 1,254,000 |
| Income tax | 99,000 | 218,000 | 324,000 | 443,000 |
| Net income | 190,000 | 425,000 | 644,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,971,000 | 9,205,000 | 9,424,000 | 9,695,000 |
| Total capital | 9,892,000 | 10,136,000 | 10,317,000 | 10,640,000 |
| Risk-weighted assets | 82,371,000 | 83,900,000 | 86,849,000 | 88,381,000 |
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