Call reports 2013
CUMBERLAND BANK & TRUST — 2013
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 160,045,000 | 161,883,000 | 160,584,000 | 161,336,000 |
| Total loans | 124,198,000 | 127,337,000 | 129,900,000 | 129,012,000 |
| Allowance for loan losses | 1,628,000 | 1,641,000 | 1,625,000 | 1,654,000 |
| Securities available for sale | 14,244,000 | 15,215,000 | 14,934,000 | 14,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,502,000 | 144,570,000 | 142,929,000 | 143,156,000 |
| Interest-bearing deposits | 127,913,000 | 130,332,000 | 127,712,000 | 126,102,000 |
| Noninterest-bearing deposits | 14,589,000 | 14,238,000 | 15,217,000 | 17,054,000 |
| Equity capital | 15,157,000 | 15,302,000 | 15,681,000 | 16,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,882,000 | 5,846,000 | 7,913,000 |
| Interest expense | 207,000 | 421,000 | 650,000 | 872,000 |
| Net interest income | 1,708,000 | 3,461,000 | 5,196,000 | 7,041,000 |
| Noninterest income | 246,000 | 546,000 | 731,000 | 945,000 |
| Noninterest expense | 1,203,000 | 2,415,000 | 3,610,000 | 4,778,000 |
| Provision for loan losses | 78,000 | 160,000 | 185,000 | 248,000 |
| Pretax income | 692,000 | 1,451,000 | 2,151,000 | 2,992,000 |
| Income tax | 249,000 | 524,000 | 777,000 | 1,084,000 |
| Net income | 443,000 | 927,000 | 1,374,000 | 1,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,808,000 | 15,251,000 | 15,701,000 | 16,239,000 |
| Total capital | 16,392,000 | 16,862,000 | 17,326,000 | 17,854,000 |
| Risk-weighted assets | 126,712,000 | 128,205,000 | 129,973,000 | 129,138,000 |