Call reports 2006
UNITED CUMBERLAND BANK — 2006
What UNITED CUMBERLAND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 126,101,000 | 126,577,000 | 122,494,000 | 122,981,000 |
| Total loans | 86,633,000 | 86,097,000 | 87,244,000 | 87,553,000 |
| Allowance for loan losses | 1,244,000 | 1,281,000 | 1,288,000 | 1,280,000 |
| Securities available for sale | 13,417,000 | 14,819,000 | 14,656,000 | 12,887,000 |
| Securities held to maturity | 8,763,000 | 8,445,000 | 9,120,000 | 10,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,497,000 | 97,908,000 | 93,367,000 | 94,060,000 |
| Interest-bearing deposits | 79,632,000 | 80,199,000 | 78,212,000 | 78,411,000 |
| Noninterest-bearing deposits | 17,865,000 | 17,709,000 | 15,155,000 | 15,649,000 |
| Equity capital | 13,214,000 | 13,475,000 | 14,000,000 | 14,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,100,000 | 4,288,000 | 6,565,000 | 8,885,000 |
| Interest expense | 683,000 | 1,445,000 | 2,284,000 | 3,166,000 |
| Net interest income | 1,417,000 | 2,843,000 | 4,281,000 | 5,719,000 |
| Noninterest income | 325,000 | 698,000 | 1,066,000 | 1,350,000 |
| Noninterest expense | 965,000 | 1,958,000 | 2,887,000 | 3,843,000 |
| Provision for loan losses | 90,000 | 200,000 | 275,000 | 370,000 |
| Pretax income | 687,000 | 1,383,000 | 2,185,000 | 2,856,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 687,000 | 1,383,000 | 2,185,000 | 2,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,448,000 | 13,744,000 | 14,121,000 | 14,242,000 |
| Total capital | 14,443,000 | 14,741,000 | 15,122,000 | 15,251,000 |
| Risk-weighted assets | 79,347,000 | 79,464,000 | 79,778,000 | 80,419,000 |