Call reports 2019
CUMBERLAND FEDERAL BANK, FSB — 2019
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 150,200,000 | 157,756,000 | 159,870,000 | 166,429,000 |
| Total loans | 70,076,000 | 76,525,000 | 75,188,000 | 76,067,000 |
| Allowance for loan losses | 629,000 | 629,000 | 680,000 | 684,000 |
| Securities available for sale | 74,565,000 | 75,113,000 | 78,464,000 | 82,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,716,000 | 115,023,000 | 117,006,000 | 122,917,000 |
| Interest-bearing deposits | 111,060,000 | 109,811,000 | 111,775,000 | 118,057,000 |
| Noninterest-bearing deposits | 4,656,000 | 5,212,000 | 5,231,000 | 4,860,000 |
| Equity capital | 17,085,000 | 18,083,000 | 18,642,000 | 18,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,478,000 | 3,089,000 | 4,718,000 | 6,329,000 |
| Interest expense | 423,000 | 901,000 | 1,383,000 | 1,863,000 |
| Net interest income | 1,055,000 | 2,188,000 | 3,335,000 | 4,466,000 |
| Noninterest income | 98,000 | 239,000 | 559,000 | 772,000 |
| Noninterest expense | 724,000 | 1,442,000 | 2,194,000 | 3,127,000 |
| Provision for loan losses | 0 | 0 | 51,000 | 55,000 |
| Pretax income | 422,000 | 973,000 | 1,622,000 | 2,016,000 |
| Income tax | 110,000 | 255,000 | 427,000 | 530,000 |
| Net income | 312,000 | 718,000 | 1,195,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,577,000 | 16,983,000 | 17,460,000 | 17,751,000 |
| Total capital | 17,206,000 | 17,612,000 | 18,140,000 | 18,435,000 |
| Risk-weighted assets | 82,428,000 | 91,401,000 | 95,263,000 | 98,592,000 |