Call reports 2002
UNITED CUMBERLAND BANK — 2002
What UNITED CUMBERLAND BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 109,253,000 | 108,383,000 | 108,341,000 | 111,034,000 |
| Total loans | 68,133,000 | 71,441,000 | 72,615,000 | 73,633,000 |
| Allowance for loan losses | 1,023,000 | 1,044,000 | 1,083,000 | 1,113,000 |
| Securities available for sale | 17,247,000 | 15,930,000 | 14,431,000 | 15,311,000 |
| Securities held to maturity | 9,665,000 | 10,175,000 | 10,312,000 | 11,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,790,000 | 85,177,000 | 85,347,000 | 85,788,000 |
| Interest-bearing deposits | 73,472,000 | 72,918,000 | 72,670,000 | 73,492,000 |
| Noninterest-bearing deposits | 12,318,000 | 12,259,000 | 12,677,000 | 12,296,000 |
| Equity capital | 11,251,000 | 11,653,000 | 11,949,000 | 12,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,702,000 | 5,553,000 | 7,336,000 |
| Interest expense | 686,000 | 1,324,000 | 1,930,000 | 2,498,000 |
| Net interest income | 1,189,000 | 2,378,000 | 3,623,000 | 4,838,000 |
| Noninterest income | 263,000 | 539,000 | 812,000 | 1,084,000 |
| Noninterest expense | 706,000 | 1,451,000 | 2,175,000 | 3,013,000 |
| Provision for loan losses | 65,000 | 120,000 | 220,000 | 255,000 |
| Pretax income | 681,000 | 1,346,000 | 2,040,000 | 2,654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 681,000 | 1,346,000 | 2,040,000 | 2,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,153,000 | 11,418,000 | 11,712,000 | 11,852,000 |
| Total capital | 11,985,000 | 12,277,000 | 12,578,000 | 12,738,000 |
| Risk-weighted assets | 66,330,000 | 68,542,000 | 69,041,000 | 70,672,000 |