Call reports 2012
CUMBERLAND BANK & TRUST — 2012
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 154,191,000 | 152,540,000 | 155,253,000 | 152,933,000 |
| Total loans | 120,541,000 | 124,069,000 | 126,784,000 | 125,984,000 |
| Allowance for loan losses | 1,296,000 | 1,338,000 | 1,513,000 | 1,562,000 |
| Securities available for sale | 14,616,000 | 14,775,000 | 14,309,000 | 13,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,721,000 | 133,875,000 | 138,116,000 | 135,571,000 |
| Interest-bearing deposits | 119,732,000 | 117,646,000 | 124,780,000 | 120,959,000 |
| Noninterest-bearing deposits | 13,989,000 | 16,229,000 | 13,336,000 | 14,612,000 |
| Equity capital | 13,541,000 | 14,042,000 | 14,574,000 | 14,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,895,000 | 5,940,000 | 7,945,000 |
| Interest expense | 297,000 | 565,000 | 794,000 | 1,015,000 |
| Net interest income | 1,627,000 | 3,330,000 | 5,146,000 | 6,930,000 |
| Noninterest income | 343,000 | 610,000 | 989,000 | 1,316,000 |
| Noninterest expense | 1,243,000 | 2,428,000 | 3,666,000 | 4,894,000 |
| Provision for loan losses | 100,000 | 225,000 | 410,000 | 535,000 |
| Pretax income | 660,000 | 1,320,000 | 2,157,000 | 2,917,000 |
| Income tax | 229,000 | 474,000 | 779,000 | 1,053,000 |
| Net income | 431,000 | 846,000 | 1,378,000 | 1,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,156,000 | 13,575,000 | 14,110,000 | 14,361,000 |
| Total capital | 14,452,000 | 14,913,000 | 15,623,000 | 15,923,000 |
| Risk-weighted assets | 121,659,000 | 125,975,000 | 128,610,000 | 127,242,000 |
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