Call reports 2003
UNITED CUMBERLAND BANK — 2003
What UNITED CUMBERLAND BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 114,234,000 | 111,062,000 | 112,758,000 | 110,087,000 |
| Total loans | 74,957,000 | 77,097,000 | 80,529,000 | 82,039,000 |
| Allowance for loan losses | 1,103,000 | 1,140,000 | 1,184,000 | 1,216,000 |
| Securities available for sale | 14,772,000 | 12,956,000 | 10,884,000 | 9,111,000 |
| Securities held to maturity | 11,085,000 | 11,405,000 | 11,403,000 | 10,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,468,000 | 86,416,000 | 87,793,000 | 85,137,000 |
| Interest-bearing deposits | 75,426,000 | 73,038,000 | 73,182,000 | 71,107,000 |
| Noninterest-bearing deposits | 16,042,000 | 13,378,000 | 14,611,000 | 14,030,000 |
| Equity capital | 12,121,000 | 12,423,000 | 12,776,000 | 12,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,482,000 | 5,179,000 | 6,887,000 |
| Interest expense | 523,000 | 1,018,000 | 1,498,000 | 1,971,000 |
| Net interest income | 1,232,000 | 2,464,000 | 3,681,000 | 4,916,000 |
| Noninterest income | 304,000 | 583,000 | 872,000 | 1,181,000 |
| Noninterest expense | 835,000 | 1,645,000 | 2,453,000 | 3,294,000 |
| Provision for loan losses | 50,000 | 135,000 | 210,000 | 265,000 |
| Pretax income | 651,000 | 1,267,000 | 1,890,000 | 2,538,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 651,000 | 1,267,000 | 1,890,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,953,000 | 12,269,000 | 12,692,000 | 12,340,000 |
| Total capital | 12,861,000 | 13,176,000 | 13,627,000 | 13,280,000 |
| Risk-weighted assets | 72,441,000 | 72,335,000 | 74,573,000 | 74,907,000 |