Call reports 2016
CUMBERLAND BANK & TRUST — 2016
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 169,784,000 | 177,948,000 | 178,957,000 | 179,469,000 |
| Total loans | 129,732,000 | 134,066,000 | 134,879,000 | 134,543,000 |
| Allowance for loan losses | 1,674,000 | 1,751,000 | 1,791,000 | 1,752,000 |
| Securities available for sale | 20,649,000 | 17,161,000 | 16,894,000 | 16,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,701,000 | 157,281,000 | 157,738,000 | 157,975,000 |
| Interest-bearing deposits | 131,651,000 | 137,907,000 | 136,104,000 | 134,048,000 |
| Noninterest-bearing deposits | 18,049,000 | 19,374,000 | 21,634,000 | 23,927,000 |
| Equity capital | 18,968,000 | 19,548,000 | 20,005,000 | 20,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,777,000 | 5,696,000 | 7,622,000 |
| Interest expense | 237,000 | 483,000 | 734,000 | 983,000 |
| Net interest income | 1,613,000 | 3,294,000 | 4,962,000 | 6,639,000 |
| Noninterest income | 246,000 | 549,000 | 941,000 | 1,209,000 |
| Noninterest expense | 1,234,000 | 2,421,000 | 3,606,000 | 4,938,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 200,000 |
| Pretax income | 550,000 | 1,277,000 | 2,102,000 | 2,715,000 |
| Income tax | 196,000 | 456,000 | 754,000 | 971,000 |
| Net income | 354,000 | 821,000 | 1,348,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,647,000 | 19,241,000 | 19,771,000 | 20,171,000 |
| Total capital | 20,321,000 | 20,992,000 | 21,562,000 | 21,923,000 |
| Risk-weighted assets | 144,865,000 | 149,847,000 | 154,287,000 | 154,133,000 |