Call reports 2013
CUMBERLAND FEDERAL BANK, FSB — 2013
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,960,000 | 90,197,000 | 91,896,000 | 95,272,000 |
| Total loans | 45,182,000 | 46,094,000 | 46,915,000 | 50,175,000 |
| Allowance for loan losses | 723,000 | 743,000 | 743,000 | 761,000 |
| Securities available for sale | 32,361,000 | 38,584,000 | 40,046,000 | 39,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,414,000 | 72,805,000 | 72,110,000 | 74,284,000 |
| Interest-bearing deposits | 71,006,000 | 69,982,000 | 69,146,000 | 70,818,000 |
| Noninterest-bearing deposits | 2,408,000 | 2,823,000 | 2,964,000 | 3,466,000 |
| Equity capital | 11,230,000 | 11,199,000 | 11,315,000 | 11,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,396,000 | 2,125,000 | 2,925,000 |
| Interest expense | 147,000 | 289,000 | 424,000 | 553,000 |
| Net interest income | 583,000 | 1,107,000 | 1,701,000 | 2,372,000 |
| Noninterest income | 219,000 | 355,000 | 468,000 | 554,000 |
| Noninterest expense | 515,000 | 1,079,000 | 1,607,000 | 2,255,000 |
| Provision for loan losses | 8,000 | 28,000 | 28,000 | 46,000 |
| Pretax income | 279,000 | 354,000 | 534,000 | 624,000 |
| Income tax | 107,000 | 136,000 | 205,000 | 225,000 |
| Net income | 172,000 | 218,000 | 329,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,814,000 | 10,865,000 | 10,973,000 | 11,042,000 |
| Total capital | 11,379,000 | 11,442,000 | 11,588,000 | 11,688,000 |
| Risk-weighted assets | 43,076,000 | 44,031,000 | 47,155,000 | 49,686,000 |