Call reports 2014
CUMBERLAND FEDERAL BANK, FSB — 2014
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 98,372,000 | 100,483,000 | 101,443,000 | 104,636,000 |
| Total loans | 48,721,000 | 48,956,000 | 50,638,000 | 53,419,000 |
| Allowance for loan losses | 721,000 | 743,000 | 708,000 | 708,000 |
| Securities available for sale | 41,565,000 | 46,320,000 | 47,341,000 | 46,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,936,000 | 81,278,000 | 84,773,000 | 85,808,000 |
| Interest-bearing deposits | 72,754,000 | 76,511,000 | 81,133,000 | 81,295,000 |
| Noninterest-bearing deposits | 6,182,000 | 4,767,000 | 3,640,000 | 4,513,000 |
| Equity capital | 11,659,000 | 11,848,000 | 12,045,000 | 12,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,632,000 | 2,484,000 | 3,372,000 |
| Interest expense | 125,000 | 250,000 | 383,000 | 519,000 |
| Net interest income | 687,000 | 1,382,000 | 2,101,000 | 2,853,000 |
| Noninterest income | 97,000 | 205,000 | 303,000 | 401,000 |
| Noninterest expense | 551,000 | 1,129,000 | 1,671,000 | 2,254,000 |
| Provision for loan losses | -40,000 | -18,000 | -53,000 | -53,000 |
| Pretax income | 272,000 | 475,000 | 786,000 | 1,062,000 |
| Income tax | 102,000 | 177,000 | 292,000 | 390,000 |
| Net income | 170,000 | 298,000 | 494,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,212,000 | 11,340,000 | 11,538,000 | 11,716,000 |
| Total capital | 11,862,000 | 12,011,000 | 12,230,000 | 12,424,000 |
| Risk-weighted assets | 50,085,000 | 51,749,000 | 53,527,000 | 55,813,000 |
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