Call reports 2008
UNITED CUMBERLAND BANK — 2008
What UNITED CUMBERLAND BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 129,636,000 | 133,831,000 | 131,837,000 | 132,215,000 |
| Total loans | 87,491,000 | 90,796,000 | 92,772,000 | 93,736,000 |
| Allowance for loan losses | 1,286,000 | 1,278,000 | 1,295,000 | 1,287,000 |
| Securities available for sale | 14,169,000 | 14,227,000 | 13,119,000 | 11,957,000 |
| Securities held to maturity | 14,645,000 | 15,167,000 | 14,322,000 | 15,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,678,000 | 101,935,000 | 99,962,000 | 100,028,000 |
| Interest-bearing deposits | 82,443,000 | 83,834,000 | 83,444,000 | 83,679,000 |
| Noninterest-bearing deposits | 17,235,000 | 18,101,000 | 16,518,000 | 16,349,000 |
| Equity capital | 15,005,000 | 14,914,000 | 15,194,000 | 15,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,287,000 | 4,493,000 | 6,625,000 | 8,704,000 |
| Interest expense | 901,000 | 1,711,000 | 2,452,000 | 3,137,000 |
| Net interest income | 1,386,000 | 2,782,000 | 4,173,000 | 5,567,000 |
| Noninterest income | 366,000 | 804,000 | 1,191,000 | 1,535,000 |
| Noninterest expense | 989,000 | 2,028,000 | 3,048,000 | 4,084,000 |
| Provision for loan losses | 85,000 | 115,000 | 190,000 | 250,000 |
| Pretax income | 678,000 | 1,443,000 | 2,126,000 | 2,768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 678,000 | 1,443,000 | 2,126,000 | 2,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,852,000 | 14,993,000 | 15,200,000 | 15,092,000 |
| Total capital | 15,114,000 | 16,047,000 | 16,270,000 | 16,163,000 |
| Risk-weighted assets | 80,866,000 | 84,116,000 | 85,342,000 | 85,498,000 |