Call reports 2010
CUMBERLAND BANK & TRUST — 2010
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 135,598,000 | 138,416,000 | 138,246,000 | 144,753,000 |
| Total loans | 108,251,000 | 113,989,000 | 115,856,000 | 117,459,000 |
| Allowance for loan losses | 1,051,000 | 1,052,000 | 1,096,000 | 1,181,000 |
| Securities available for sale | 11,977,000 | 10,070,000 | 10,176,000 | 11,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,284,000 | 120,076,000 | 119,406,000 | 125,866,000 |
| Interest-bearing deposits | 109,214,000 | 109,198,000 | 109,283,000 | 113,509,000 |
| Noninterest-bearing deposits | 10,070,000 | 10,878,000 | 10,123,000 | 12,357,000 |
| Equity capital | 10,568,000 | 10,970,000 | 11,441,000 | 11,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,614,000 | 5,499,000 | 7,450,000 |
| Interest expense | 562,000 | 1,107,000 | 1,607,000 | 2,026,000 |
| Net interest income | 1,214,000 | 2,507,000 | 3,892,000 | 5,424,000 |
| Noninterest income | 275,000 | 584,000 | 839,000 | 1,113,000 |
| Noninterest expense | 1,133,000 | 2,247,000 | 3,379,000 | 4,579,000 |
| Provision for loan losses | 2,000 | 3,000 | 52,000 | 133,000 |
| Pretax income | 359,000 | 953,000 | 1,412,000 | 1,951,000 |
| Income tax | 120,000 | 342,000 | 490,000 | 689,000 |
| Net income | 239,000 | 611,000 | 922,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,332,000 | 10,804,000 | 11,150,000 | 11,510,000 |
| Total capital | 11,383,000 | 11,856,000 | 12,246,000 | 12,691,000 |
| Risk-weighted assets | 111,027,000 | 113,285,000 | 114,766,000 | 117,636,000 |
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