Call reports 2017
CUMBERLAND BANK & TRUST — 2017
What CUMBERLAND BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 175,304,000 | 175,086,000 | 166,812,000 | 173,596,000 |
| Total loans | 134,324,000 | 135,414,000 | 131,964,000 | 134,538,000 |
| Allowance for loan losses | 1,776,000 | 1,737,000 | 1,764,000 | 1,735,000 |
| Securities available for sale | 15,595,000 | 15,540,000 | 15,340,000 | 15,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,767,000 | 153,352,000 | 144,528,000 | 150,600,000 |
| Interest-bearing deposits | 132,256,000 | 130,308,000 | 120,022,000 | 124,330,000 |
| Noninterest-bearing deposits | 21,511,000 | 23,044,000 | 24,506,000 | 26,270,000 |
| Equity capital | 20,277,000 | 20,857,000 | 21,348,000 | 21,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,895,000 | 3,846,000 | 5,783,000 | 7,673,000 |
| Interest expense | 235,000 | 469,000 | 686,000 | 891,000 |
| Net interest income | 1,660,000 | 3,377,000 | 5,097,000 | 6,782,000 |
| Noninterest income | 235,000 | 489,000 | 830,000 | 1,178,000 |
| Noninterest expense | 1,233,000 | 2,491,000 | 3,723,000 | 5,830,000 |
| Provision for loan losses | 75,000 | 50,000 | 75,000 | 75,000 |
| Pretax income | 587,000 | 1,325,000 | 2,129,000 | 2,055,000 |
| Income tax | 209,000 | 470,000 | 759,000 | 809,000 |
| Net income | 378,000 | 855,000 | 1,370,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,258,000 | 20,735,000 | 21,251,000 | 21,127,000 |
| Total capital | 22,034,000 | 22,472,000 | 23,015,000 | 22,862,000 |
| Risk-weighted assets | 153,801,000 | 156,604,000 | 152,736,000 | 153,739,000 |