Call reports 2007
UNITED CUMBERLAND BANK — 2007
What UNITED CUMBERLAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 128,047,000 | 127,020,000 | 129,726,000 | 127,227,000 |
| Total loans | 87,602,000 | 86,811,000 | 87,033,000 | 86,767,000 |
| Allowance for loan losses | 1,274,000 | 1,270,000 | 1,281,000 | 1,273,000 |
| Securities available for sale | 13,926,000 | 14,893,000 | 14,018,000 | 12,890,000 |
| Securities held to maturity | 10,543,000 | 10,386,000 | 10,602,000 | 13,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,505,000 | 97,430,000 | 99,831,000 | 97,645,000 |
| Interest-bearing deposits | 81,140,000 | 80,834,000 | 82,228,000 | 81,753,000 |
| Noninterest-bearing deposits | 17,365,000 | 16,596,000 | 17,603,000 | 15,892,000 |
| Equity capital | 14,398,000 | 14,636,000 | 15,017,000 | 14,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,290,000 | 4,662,000 | 7,073,000 | 9,459,000 |
| Interest expense | 918,000 | 1,872,000 | 2,859,000 | 3,817,000 |
| Net interest income | 1,372,000 | 2,790,000 | 4,214,000 | 5,642,000 |
| Noninterest income | 344,000 | 675,000 | 992,000 | 1,328,000 |
| Noninterest expense | 1,004,000 | 1,957,000 | 2,944,000 | 4,058,000 |
| Provision for loan losses | 110,000 | 180,000 | 270,000 | 380,000 |
| Pretax income | 602,000 | 1,328,000 | 1,992,000 | 2,532,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 602,000 | 1,328,000 | 1,992,000 | 2,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,444,000 | 14,720,000 | 14,984,000 | 14,825,000 |
| Total capital | 15,461,000 | 15,725,000 | 15,993,000 | 15,848,000 |
| Risk-weighted assets | 81,087,000 | 80,171,000 | 80,463,000 | 81,609,000 |