Call reports 2009
UNITED CUMBERLAND BANK — 2009
What UNITED CUMBERLAND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 133,356,000 | 132,060,000 | 131,283,000 | 133,110,000 |
| Total loans | 94,314,000 | 94,660,000 | 95,931,000 | 96,170,000 |
| Allowance for loan losses | 1,183,000 | 1,260,000 | 1,332,000 | 1,464,000 |
| Securities available for sale | 12,738,000 | 11,934,000 | 12,209,000 | 11,921,000 |
| Securities held to maturity | 15,447,000 | 14,530,000 | 12,044,000 | 11,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,704,000 | 100,992,000 | 99,131,000 | 102,224,000 |
| Interest-bearing deposits | 84,794,000 | 85,236,000 | 84,099,000 | 85,399,000 |
| Noninterest-bearing deposits | 16,910,000 | 15,756,000 | 15,032,000 | 16,825,000 |
| Equity capital | 15,361,000 | 15,365,000 | 15,543,000 | 15,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 3,951,000 | 5,845,000 | 7,676,000 |
| Interest expense | 637,000 | 1,226,000 | 1,766,000 | 2,280,000 |
| Net interest income | 1,362,000 | 2,725,000 | 4,079,000 | 5,396,000 |
| Noninterest income | 317,000 | 673,000 | 1,095,000 | 1,432,000 |
| Noninterest expense | 1,005,000 | 2,150,000 | 3,234,000 | 4,359,000 |
| Provision for loan losses | 105,000 | 215,000 | 315,000 | 465,000 |
| Pretax income | 569,000 | 1,033,000 | 1,625,000 | 2,004,000 |
| Income tax | 0 | 9,000 | 0 | 0 |
| Net income | 569,000 | 1,024,000 | 1,625,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,161,000 | 15,165,000 | 15,317,000 | 15,000,000 |
| Total capital | 16,256,000 | 16,260,000 | 16,409,000 | 16,097,000 |
| Risk-weighted assets | 87,547,000 | 87,469,000 | 87,130,000 | 87,383,000 |