Call reports 2022
CUMBERLAND FEDERAL BANK, FSB — 2022
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 211,176,000 | 220,146,000 | 233,377,000 | 238,651,000 |
| Total loans | 86,379,000 | 89,137,000 | 94,540,000 | 100,366,000 |
| Allowance for loan losses | 801,000 | 801,000 | 801,000 | 905,000 |
| Securities available for sale | 113,256,000 | 122,825,000 | 127,337,000 | 126,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,636,000 | 183,364,000 | 196,700,000 | 200,293,000 |
| Interest-bearing deposits | 160,425,000 | 167,052,000 | 180,094,000 | 185,380,000 |
| Noninterest-bearing deposits | 14,211,000 | 16,312,000 | 16,606,000 | 14,913,000 |
| Equity capital | 21,643,000 | 20,010,000 | 19,381,000 | 19,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,433,000 | 3,104,000 | 5,201,000 | 7,653,000 |
| Interest expense | 196,000 | 410,000 | 738,000 | 1,366,000 |
| Net interest income | 1,237,000 | 2,694,000 | 4,463,000 | 6,287,000 |
| Noninterest income | 163,000 | 342,000 | 498,000 | 632,000 |
| Noninterest expense | 815,000 | 1,619,000 | 2,437,000 | 3,750,000 |
| Provision for loan losses | 0 | 0 | 0 | 104,000 |
| Pretax income | 572,000 | 1,401,000 | 2,509,000 | 3,047,000 |
| Income tax | 161,000 | 373,000 | 668,000 | 809,000 |
| Net income | 411,000 | 1,028,000 | 1,841,000 | 2,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,462,000 | 23,079,000 | 23,892,000 | 24,289,000 |
| Total capital | 23,263,000 | 23,880,000 | 24,693,000 | 25,194,000 |
| Risk-weighted assets | 142,386,000 | 146,468,000 | 151,715,000 | 139,364,000 |