Call reports 2011
CUMBERLAND BANK & TRUST — 2011
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 143,352,000 | 149,393,000 | 156,811,000 | 153,073,000 |
| Total loans | 117,583,000 | 118,998,000 | 119,836,000 | 120,338,000 |
| Allowance for loan losses | 1,278,000 | 1,260,000 | 1,377,000 | 1,201,000 |
| Securities available for sale | 11,779,000 | 12,317,000 | 14,719,000 | 15,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,321,000 | 129,901,000 | 136,710,000 | 132,683,000 |
| Interest-bearing deposits | 114,146,000 | 118,904,000 | 124,352,000 | 119,739,000 |
| Noninterest-bearing deposits | 10,175,000 | 10,997,000 | 12,358,000 | 12,944,000 |
| Equity capital | 11,895,000 | 12,426,000 | 13,007,000 | 13,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,888,000 | 3,867,000 | 5,862,000 | 7,830,000 |
| Interest expense | 388,000 | 759,000 | 1,124,000 | 1,438,000 |
| Net interest income | 1,500,000 | 3,108,000 | 4,738,000 | 6,392,000 |
| Noninterest income | 252,000 | 522,000 | 789,000 | 852,000 |
| Noninterest expense | 1,215,000 | 2,362,000 | 3,519,000 | 4,597,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 469,000 | 1,125,000 | 1,790,000 | 2,354,000 |
| Income tax | 167,000 | 405,000 | 643,000 | 844,000 |
| Net income | 302,000 | 720,000 | 1,147,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,729,000 | 12,148,000 | 12,574,000 | 12,944,000 |
| Total capital | 13,007,000 | 13,408,000 | 13,951,000 | 14,145,000 |
| Risk-weighted assets | 120,455,000 | 121,794,000 | 122,371,000 | 122,992,000 |