Call reports 2017
CUMBERLAND FEDERAL BANK, FSB — 2017
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 127,726,000 | 131,231,000 | 128,845,000 | 131,175,000 |
| Total loans | 62,859,000 | 66,370,000 | 66,819,000 | 65,834,000 |
| Allowance for loan losses | 668,000 | 668,000 | 668,000 | 665,000 |
| Securities available for sale | 60,033,000 | 61,293,000 | 58,396,000 | 59,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,348,000 | 111,516,000 | 104,280,000 | 108,274,000 |
| Interest-bearing deposits | 106,726,000 | 107,325,000 | 100,129,000 | 103,012,000 |
| Noninterest-bearing deposits | 3,622,000 | 4,191,000 | 4,151,000 | 5,262,000 |
| Equity capital | 14,330,000 | 14,771,000 | 15,157,000 | 15,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,238,000 | 3,429,000 | 4,656,000 |
| Interest expense | 172,000 | 366,000 | 591,000 | 820,000 |
| Net interest income | 923,000 | 1,872,000 | 2,838,000 | 3,836,000 |
| Noninterest income | 98,000 | 219,000 | 345,000 | 447,000 |
| Noninterest expense | 662,000 | 1,312,000 | 1,911,000 | 2,663,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 359,000 | 773,000 | 1,283,000 | 1,631,000 |
| Income tax | 133,000 | 275,000 | 460,000 | 471,000 |
| Net income | 226,000 | 498,000 | 823,000 | 1,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,008,000 | 14,280,000 | 14,604,000 | 14,941,000 |
| Total capital | 14,676,000 | 14,948,000 | 15,272,000 | 15,606,000 |
| Risk-weighted assets | 65,824,000 | 67,969,000 | 67,592,000 | 69,012,000 |