Call reports 2016
CUMBERLAND FEDERAL BANK, FSB — 2016
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 116,690,000 | 123,579,000 | 125,332,000 | 127,426,000 |
| Total loans | 57,808,000 | 61,987,000 | 62,271,000 | 61,991,000 |
| Allowance for loan losses | 672,000 | 672,000 | 672,000 | 669,000 |
| Securities available for sale | 50,320,000 | 57,198,000 | 59,002,000 | 60,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,643,000 | 106,551,000 | 109,348,000 | 107,655,000 |
| Interest-bearing deposits | 97,673,000 | 102,905,000 | 105,214,000 | 104,019,000 |
| Noninterest-bearing deposits | 2,970,000 | 3,646,000 | 4,134,000 | 3,636,000 |
| Equity capital | 13,263,000 | 13,649,000 | 13,990,000 | 13,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 2,033,000 | 3,136,000 | 4,262,000 |
| Interest expense | 136,000 | 294,000 | 460,000 | 626,000 |
| Net interest income | 839,000 | 1,739,000 | 2,676,000 | 3,636,000 |
| Noninterest income | 70,000 | 187,000 | 423,000 | 542,000 |
| Noninterest expense | 590,000 | 1,171,000 | 1,817,000 | 2,581,000 |
| Provision for loan losses | 0 | 0 | 0 | -3,000 |
| Pretax income | 317,000 | 755,000 | 1,321,000 | 1,634,000 |
| Income tax | 117,000 | 272,000 | 486,000 | 592,000 |
| Net income | 200,000 | 483,000 | 835,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,940,000 | 13,223,000 | 13,575,000 | 13,782,000 |
| Total capital | 13,612,000 | 13,895,000 | 14,247,000 | 14,451,000 |
| Risk-weighted assets | 60,537,000 | 66,811,000 | 66,523,000 | 66,814,000 |