Call reports 2015
CUMBERLAND FEDERAL BANK, FSB — 2015
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 104,634,000 | 108,783,000 | 111,284,000 | 115,612,000 |
| Total loans | 52,824,000 | 56,969,000 | 57,480,000 | 56,564,000 |
| Allowance for loan losses | 696,000 | 696,000 | 695,000 | 674,000 |
| Securities available for sale | 48,915,000 | 48,287,000 | 49,285,000 | 47,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,565,000 | 91,906,000 | 95,267,000 | 100,115,000 |
| Interest-bearing deposits | 85,479,000 | 87,529,000 | 91,462,000 | 94,906,000 |
| Noninterest-bearing deposits | 3,086,000 | 4,377,000 | 3,805,000 | 5,209,000 |
| Equity capital | 12,560,000 | 12,660,000 | 12,931,000 | 13,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,819,000 | 2,763,000 | 3,724,000 |
| Interest expense | 142,000 | 292,000 | 445,000 | 489,000 |
| Net interest income | 754,000 | 1,527,000 | 2,318,000 | 3,235,000 |
| Noninterest income | 131,000 | 222,000 | 321,000 | 410,000 |
| Noninterest expense | 536,000 | 1,091,000 | 1,647,000 | 2,260,000 |
| Provision for loan losses | -12,000 | -12,000 | -12,000 | -33,000 |
| Pretax income | 361,000 | 793,000 | 1,134,000 | 1,555,000 |
| Income tax | 137,000 | 290,000 | 412,000 | 564,000 |
| Net income | 224,000 | 503,000 | 722,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,974,000 | 12,253,000 | 12,471,000 | 12,740,000 |
| Total capital | 12,670,000 | 12,949,000 | 13,166,000 | 13,415,000 |
| Risk-weighted assets | 72,535,000 | 64,381,000 | 61,446,000 | 61,148,000 |