Call reports 2025
CUMBERLAND FEDERAL BANK, FSB — 2025
What CUMBERLAND FEDERAL BANK, FSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 293,905,000 | 309,441,000 | 324,882,000 | 328,797,000 |
| Total loans | 150,826,000 | 161,508,000 | 167,320,000 | 173,133,000 |
| Allowance for loan losses | 1,227,000 | 1,347,000 | 1,528,000 | 1,708,000 |
| Securities available for sale | 135,545,000 | 139,801,000 | 145,123,000 | 147,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,335,000 | 254,524,000 | 275,095,000 | 272,923,000 |
| Interest-bearing deposits | 234,457,000 | 242,270,000 | 260,165,000 | 260,619,000 |
| Noninterest-bearing deposits | 9,878,000 | 12,254,000 | 14,930,000 | 12,304,000 |
| Equity capital | 26,828,000 | 28,127,000 | 29,977,000 | 30,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,174,000 | 8,550,000 | 13,231,000 | 18,011,000 |
| Interest expense | 2,188,000 | 4,398,000 | 6,761,000 | 9,072,000 |
| Net interest income | 1,986,000 | 4,152,000 | 6,470,000 | 8,939,000 |
| Noninterest income | 113,000 | 271,000 | 413,000 | 609,000 |
| Noninterest expense | 1,056,000 | 2,062,000 | 3,073,000 | 4,677,000 |
| Provision for loan losses | 30,000 | 150,000 | 330,000 | 510,000 |
| Pretax income | 1,077,000 | 2,305,000 | 3,611,000 | 4,471,000 |
| Income tax | 236,000 | 507,000 | 762,000 | 947,000 |
| Net income | 841,000 | 1,798,000 | 2,849,000 | 3,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,427,000 | 30,385,000 | 31,436,000 | 32,111,000 |
| Total capital | 30,654,000 | 31,732,000 | 32,964,000 | 33,819,000 |
| Risk-weighted assets | 176,250,000 | 183,828,000 | 187,822,000 | 194,919,000 |