Call reports 2009
CUMBERLAND BANK & TRUST — 2009
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 123,225,000 | 123,219,000 | 128,285,000 | 136,261,000 |
| Total loans | 98,410,000 | 98,879,000 | 105,105,000 | 108,126,000 |
| Allowance for loan losses | 1,026,000 | 1,037,000 | 1,099,000 | 1,035,000 |
| Securities available for sale | 15,939,000 | 13,839,000 | 14,146,000 | 12,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,439,000 | 105,670,000 | 108,355,000 | 119,880,000 |
| Interest-bearing deposits | 93,978,000 | 97,340,000 | 99,840,000 | 108,563,000 |
| Noninterest-bearing deposits | 10,461,000 | 8,330,000 | 8,515,000 | 11,317,000 |
| Equity capital | 9,399,000 | 9,502,000 | 9,890,000 | 10,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,296,000 | 5,035,000 | 6,827,000 |
| Interest expense | 710,000 | 1,321,000 | 1,896,000 | 2,476,000 |
| Net interest income | 932,000 | 1,975,000 | 3,139,000 | 4,351,000 |
| Noninterest income | 265,000 | 588,000 | 864,000 | 1,137,000 |
| Noninterest expense | 973,000 | 2,175,000 | 3,371,000 | 4,606,000 |
| Provision for loan losses | 31,000 | 41,000 | 109,000 | 240,000 |
| Pretax income | 193,000 | 320,000 | 515,000 | 650,000 |
| Income tax | 63,000 | 97,000 | 138,000 | 45,000 |
| Net income | 130,000 | 223,000 | 377,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,468,000 | 9,538,000 | 9,692,000 | 9,920,000 |
| Total capital | 10,494,000 | 10,575,000 | 10,791,000 | 10,955,000 |
| Risk-weighted assets | 102,792,000 | 101,523,000 | 107,380,000 | 110,418,000 |
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