Call reports 2012
UNITED CUMBERLAND BANK — 2012
What UNITED CUMBERLAND BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 136,900,000 | 134,130,000 | 137,631,000 | 134,633,000 |
| Total loans | 98,087,000 | 97,876,000 | 100,436,000 | 100,101,000 |
| Allowance for loan losses | 1,893,000 | 1,971,000 | 2,017,000 | 2,078,000 |
| Securities available for sale | 9,804,000 | 10,767,000 | 10,739,000 | 11,663,000 |
| Securities held to maturity | 10,935,000 | 10,860,000 | 10,187,000 | 10,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,961,000 | 101,584,000 | 105,182,000 | 102,430,000 |
| Interest-bearing deposits | 85,467,000 | 84,146,000 | 86,114,000 | 83,585,000 |
| Noninterest-bearing deposits | 19,494,000 | 17,438,000 | 19,068,000 | 18,845,000 |
| Equity capital | 15,889,000 | 16,183,000 | 16,469,000 | 16,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,488,000 | 5,227,000 | 7,002,000 |
| Interest expense | 313,000 | 613,000 | 880,000 | 1,184,000 |
| Net interest income | 1,423,000 | 2,875,000 | 4,347,000 | 5,818,000 |
| Noninterest income | 340,000 | 731,000 | 1,144,000 | 1,496,000 |
| Noninterest expense | 1,152,000 | 2,308,000 | 3,447,000 | 4,556,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 450,000 |
| Pretax income | 461,000 | 1,048,000 | 1,719,000 | 2,308,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 461,000 | 1,048,000 | 1,719,000 | 2,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,745,000 | 16,032,000 | 16,303,000 | 16,492,000 |
| Total capital | 16,874,000 | 17,150,000 | 17,444,000 | 17,631,000 |
| Risk-weighted assets | 89,544,000 | 88,621,000 | 90,438,000 | 90,172,000 |