Call reports 2014
CUMBERLAND BANK & TRUST — 2014
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 159,684,000 | 166,190,000 | 170,267,000 | 170,210,000 |
| Total loans | 129,244,000 | 134,865,000 | 132,789,000 | 130,821,000 |
| Allowance for loan losses | 1,721,000 | 1,790,000 | 1,846,000 | 1,859,000 |
| Securities available for sale | 14,325,000 | 14,834,000 | 16,616,000 | 16,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,396,000 | 147,647,000 | 151,323,000 | 150,730,000 |
| Interest-bearing deposits | 125,890,000 | 130,128,000 | 132,534,000 | 130,307,000 |
| Noninterest-bearing deposits | 15,506,000 | 17,519,000 | 18,789,000 | 20,423,000 |
| Equity capital | 16,267,000 | 16,805,000 | 17,219,000 | 17,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 3,990,000 | 6,014,000 | 8,010,000 |
| Interest expense | 217,000 | 436,000 | 671,000 | 908,000 |
| Net interest income | 1,748,000 | 3,554,000 | 5,343,000 | 7,102,000 |
| Noninterest income | 193,000 | 331,000 | 545,000 | 732,000 |
| Noninterest expense | 1,180,000 | 2,345,000 | 3,538,000 | 4,698,000 |
| Provision for loan losses | 68,000 | 135,000 | 203,000 | 260,000 |
| Pretax income | 737,000 | 1,476,000 | 2,225,000 | 2,954,000 |
| Income tax | 277,000 | 536,000 | 812,000 | 1,058,000 |
| Net income | 460,000 | 940,000 | 1,413,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,292,000 | 16,760,000 | 17,138,000 | 17,623,000 |
| Total capital | 17,872,000 | 18,411,000 | 18,799,000 | 19,249,000 |
| Risk-weighted assets | 126,236,000 | 132,128,000 | 132,697,000 | 129,810,000 |
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