Call reports 2012
CUMBERLAND FEDERAL BANK, FSB — 2012
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 85,789,000 | 84,626,000 | 90,117,000 | 84,679,000 |
| Total loans | 46,857,000 | 45,812,000 | 45,957,000 | 45,186,000 |
| Allowance for loan losses | 637,000 | 671,000 | 722,000 | 715,000 |
| Securities available for sale | 32,460,000 | 34,575,000 | 33,462,000 | 32,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,528,000 | 69,999,000 | 74,191,000 | 71,408,000 |
| Interest-bearing deposits | 69,676,000 | 67,112,000 | 71,462,000 | 68,223,000 |
| Noninterest-bearing deposits | 2,852,000 | 2,887,000 | 2,729,000 | 3,185,000 |
| Equity capital | 10,510,000 | 10,719,000 | 11,008,000 | 11,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,634,000 | 2,421,000 | 3,181,000 |
| Interest expense | 186,000 | 359,000 | 529,000 | 691,000 |
| Net interest income | 649,000 | 1,275,000 | 1,892,000 | 2,490,000 |
| Noninterest income | 138,000 | 293,000 | 721,000 | 964,000 |
| Noninterest expense | 527,000 | 1,052,000 | 1,583,000 | 2,354,000 |
| Provision for loan losses | 56,000 | 90,000 | 141,000 | 144,000 |
| Pretax income | 204,000 | 492,000 | 959,000 | 1,026,000 |
| Income tax | 76,000 | 189,000 | 372,000 | 379,000 |
| Net income | 128,000 | 303,000 | 587,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,142,000 | 10,318,000 | 10,584,000 | 10,640,000 |
| Total capital | 10,682,000 | 10,922,000 | 11,195,000 | 11,197,000 |
| Risk-weighted assets | 43,069,000 | 43,547,000 | 44,064,000 | 42,416,000 |