Call reports 2005
UNITED CUMBERLAND BANK — 2005
What UNITED CUMBERLAND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 121,911,000 | 121,925,000 | 122,404,000 | 120,516,000 |
| Total loans | 83,992,000 | 85,229,000 | 87,615,000 | 88,089,000 |
| Allowance for loan losses | 1,338,000 | 1,282,000 | 1,288,000 | 1,282,000 |
| Securities available for sale | 12,611,000 | 14,246,000 | 13,685,000 | 12,915,000 |
| Securities held to maturity | 10,024,000 | 9,904,000 | 9,804,000 | 9,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,611,000 | 93,240,000 | 93,662,000 | 92,520,000 |
| Interest-bearing deposits | 76,210,000 | 76,092,000 | 76,139,000 | 76,128,000 |
| Noninterest-bearing deposits | 18,401,000 | 17,148,000 | 17,523,000 | 16,392,000 |
| Equity capital | 12,536,000 | 13,003,000 | 13,242,000 | 12,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,657,000 | 5,673,000 | 7,737,000 |
| Interest expense | 473,000 | 1,002,000 | 1,590,000 | 2,232,000 |
| Net interest income | 1,341,000 | 2,655,000 | 4,083,000 | 5,505,000 |
| Noninterest income | 324,000 | 653,000 | 1,005,000 | 1,370,000 |
| Noninterest expense | 887,000 | 1,801,000 | 2,788,000 | 3,818,000 |
| Provision for loan losses | 70,000 | 70,000 | 140,000 | 235,000 |
| Pretax income | 708,000 | 1,437,000 | 2,160,000 | 2,822,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 708,000 | 1,437,000 | 2,160,000 | 2,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,772,000 | 13,151,000 | 13,449,000 | 13,185,000 |
| Total capital | 13,745,000 | 14,133,000 | 14,454,000 | 14,194,000 |
| Risk-weighted assets | 77,484,000 | 78,282,000 | 80,146,000 | 80,448,000 |