Call reports 2015
CUMBERLAND BANK & TRUST — 2015
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 167,741,000 | 167,035,000 | 171,911,000 | 173,677,000 |
| Total loans | 128,685,000 | 131,122,000 | 127,611,000 | 123,476,000 |
| Allowance for loan losses | 1,839,000 | 1,887,000 | 1,752,000 | 1,604,000 |
| Securities available for sale | 16,969,000 | 16,974,000 | 15,826,000 | 18,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,637,000 | 143,604,000 | 151,914,000 | 153,320,000 |
| Interest-bearing deposits | 129,681,000 | 125,304,000 | 133,349,000 | 133,887,000 |
| Noninterest-bearing deposits | 18,956,000 | 18,300,000 | 18,565,000 | 19,433,000 |
| Equity capital | 17,754,000 | 18,043,000 | 18,617,000 | 19,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,895,000 | 3,809,000 | 5,759,000 | 7,624,000 |
| Interest expense | 231,000 | 457,000 | 702,000 | 951,000 |
| Net interest income | 1,664,000 | 3,352,000 | 5,057,000 | 6,673,000 |
| Noninterest income | 210,000 | 427,000 | 813,000 | 1,065,000 |
| Noninterest expense | 1,190,000 | 2,391,000 | 3,638,000 | 4,897,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 195,000 |
| Pretax income | 609,000 | 1,238,000 | 2,072,000 | 2,711,000 |
| Income tax | 220,000 | 435,000 | 739,000 | 961,000 |
| Net income | 389,000 | 803,000 | 1,333,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,516,000 | 17,933,000 | 18,467,000 | 18,888,000 |
| Total capital | 19,231,000 | 19,684,000 | 20,212,000 | 20,492,000 |
| Risk-weighted assets | 137,101,000 | 139,921,000 | 139,604,000 | 137,893,000 |