Call reports 2018
CUMBERLAND FEDERAL BANK, FSB — 2018
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 133,966,000 | 137,272,000 | 140,325,000 | 141,156,000 |
| Total loans | 65,371,000 | 67,338,000 | 70,913,000 | 67,825,000 |
| Allowance for loan losses | 665,000 | 636,000 | 629,000 | 629,000 |
| Securities available for sale | 63,569,000 | 63,871,000 | 64,620,000 | 67,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,882,000 | 108,718,000 | 111,928,000 | 112,153,000 |
| Interest-bearing deposits | 104,321,000 | 104,487,000 | 107,749,000 | 107,504,000 |
| Noninterest-bearing deposits | 3,561,000 | 4,231,000 | 4,179,000 | 4,649,000 |
| Equity capital | 15,393,000 | 15,675,000 | 16,032,000 | 16,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,234,000 | 2,527,000 | 3,907,000 | 5,326,000 |
| Interest expense | 244,000 | 533,000 | 880,000 | 1,262,000 |
| Net interest income | 990,000 | 1,994,000 | 3,027,000 | 4,064,000 |
| Noninterest income | 110,000 | 236,000 | 379,000 | 487,000 |
| Noninterest expense | 654,000 | 1,283,000 | 1,907,000 | 2,819,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 444,000 | 944,000 | 1,490,000 | 1,724,000 |
| Income tax | 121,000 | 246,000 | 394,000 | 400,000 |
| Net income | 323,000 | 698,000 | 1,096,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,265,000 | 15,640,000 | 16,037,000 | 16,265,000 |
| Total capital | 15,930,000 | 16,276,000 | 16,666,000 | 16,894,000 |
| Risk-weighted assets | 71,493,000 | 73,625,000 | 76,983,000 | 76,324,000 |