Call reports 2021
CUMBERLAND FEDERAL BANK, FSB — 2021
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 194,901,000 | 198,532,000 | 205,552,000 | 210,034,000 |
| Total loans | 87,205,000 | 87,167,000 | 88,191,000 | 87,881,000 |
| Allowance for loan losses | 800,000 | 798,000 | 803,000 | 801,000 |
| Securities available for sale | 96,628,000 | 100,479,000 | 106,376,000 | 109,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,253,000 | 149,164,000 | 155,407,000 | 161,712,000 |
| Interest-bearing deposits | 135,663,000 | 137,903,000 | 142,717,000 | 148,403,000 |
| Noninterest-bearing deposits | 10,590,000 | 11,261,000 | 12,690,000 | 13,309,000 |
| Equity capital | 22,221,000 | 22,731,000 | 23,265,000 | 22,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,393,000 | 4,831,000 | 6,295,000 |
| Interest expense | 258,000 | 481,000 | 708,000 | 920,000 |
| Net interest income | 1,511,000 | 2,912,000 | 4,123,000 | 5,375,000 |
| Noninterest income | 487,000 | 831,000 | 1,065,000 | 1,282,000 |
| Noninterest expense | 815,000 | 1,654,000 | 2,501,000 | 3,893,000 |
| Provision for loan losses | 0 | -2,000 | 3,000 | 1,000 |
| Pretax income | 1,174,000 | 2,084,000 | 2,673,000 | 2,738,000 |
| Income tax | 335,000 | 597,000 | 760,000 | 775,000 |
| Net income | 839,000 | 1,487,000 | 1,913,000 | 1,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,926,000 | 21,574,000 | 22,000,000 | 22,051,000 |
| Total capital | 21,726,000 | 22,372,000 | 22,803,000 | 22,852,000 |
| Risk-weighted assets | 135,770,000 | 140,078,000 | 142,240,000 | 140,116,000 |