Call reports 2011
UNITED CUMBERLAND BANK — 2011
What UNITED CUMBERLAND BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 142,911,000 | 139,869,000 | 138,405,000 | 134,880,000 |
| Total loans | 100,075,000 | 100,291,000 | 99,136,000 | 99,295,000 |
| Allowance for loan losses | 1,517,000 | 1,614,000 | 1,798,000 | 2,045,000 |
| Securities available for sale | 9,796,000 | 10,302,000 | 9,976,000 | 9,910,000 |
| Securities held to maturity | 11,670,000 | 11,483,000 | 11,517,000 | 11,469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,245,000 | 108,120,000 | 106,467,000 | 103,132,000 |
| Interest-bearing deposits | 90,327,000 | 89,478,000 | 87,888,000 | 84,576,000 |
| Noninterest-bearing deposits | 20,918,000 | 18,642,000 | 18,579,000 | 18,556,000 |
| Equity capital | 15,068,000 | 15,498,000 | 15,754,000 | 15,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,773,000 | 3,516,000 | 5,302,000 | 7,079,000 |
| Interest expense | 408,000 | 814,000 | 1,173,000 | 1,505,000 |
| Net interest income | 1,365,000 | 2,702,000 | 4,129,000 | 5,574,000 |
| Noninterest income | 182,000 | 483,000 | 922,000 | 1,192,000 |
| Noninterest expense | 1,129,000 | 2,320,000 | 3,537,000 | 4,655,000 |
| Provision for loan losses | 110,000 | 260,000 | 660,000 | 970,000 |
| Pretax income | 307,000 | 604,000 | 853,000 | 1,140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | 604,000 | 853,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,052,000 | 15,349,000 | 15,598,000 | 15,485,000 |
| Total capital | 16,198,000 | 16,479,000 | 16,716,000 | 16,602,000 |
| Risk-weighted assets | 91,343,000 | 90,452,000 | 88,756,000 | 88,397,000 |