Call reports 2010
UNITED CUMBERLAND BANK — 2010
What UNITED CUMBERLAND BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,007,000 | 137,544,000 | 140,904,000 | 137,733,000 |
| Total loans | 98,336,000 | 99,462,000 | 100,810,000 | 100,806,000 |
| Allowance for loan losses | 1,480,000 | 1,741,000 | 1,676,000 | 1,519,000 |
| Securities available for sale | 13,022,000 | 12,368,000 | 10,829,000 | 9,926,000 |
| Securities held to maturity | 10,399,000 | 9,367,000 | 12,826,000 | 12,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,736,000 | 105,594,000 | 107,723,000 | 105,867,000 |
| Interest-bearing deposits | 88,077,000 | 87,107,000 | 87,407,000 | 87,487,000 |
| Noninterest-bearing deposits | 16,659,000 | 18,487,000 | 20,316,000 | 18,380,000 |
| Equity capital | 15,106,000 | 15,368,000 | 15,456,000 | 14,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,737,000 | 3,583,000 | 5,522,000 | 7,338,000 |
| Interest expense | 493,000 | 988,000 | 1,453,000 | 1,892,000 |
| Net interest income | 1,244,000 | 2,595,000 | 4,069,000 | 5,446,000 |
| Noninterest income | 337,000 | 838,000 | 1,186,000 | 1,418,000 |
| Noninterest expense | 1,104,000 | 2,197,000 | 3,291,000 | 4,371,000 |
| Provision for loan losses | 130,000 | 410,000 | 545,000 | 1,220,000 |
| Pretax income | 347,000 | 826,000 | 1,419,000 | 1,294,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 347,000 | 826,000 | 1,419,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,947,000 | 15,177,000 | 15,270,000 | 14,745,000 |
| Total capital | 16,059,000 | 16,308,000 | 16,423,000 | 15,907,000 |
| Risk-weighted assets | 88,610,000 | 89,879,000 | 91,679,000 | 92,566,000 |