Call reports 2013
UNITED CUMBERLAND BANK — 2013
What UNITED CUMBERLAND BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 140,586,000 | 139,440,000 | 139,397,000 | 137,317,000 |
| Total loans | 99,261,000 | 99,286,000 | 97,743,000 | 94,494,000 |
| Allowance for loan losses | 2,118,000 | 2,089,000 | 2,093,000 | 2,019,000 |
| Securities available for sale | 11,571,000 | 15,230,000 | 15,770,000 | 14,504,000 |
| Securities held to maturity | 9,868,000 | 9,406,000 | 9,605,000 | 10,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,113,000 | 107,668,000 | 106,772,000 | 105,261,000 |
| Interest-bearing deposits | 87,412,000 | 88,067,000 | 87,310,000 | 85,913,000 |
| Noninterest-bearing deposits | 20,701,000 | 19,601,000 | 19,462,000 | 19,348,000 |
| Equity capital | 16,774,000 | 16,439,000 | 16,678,000 | 16,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,382,000 | 5,072,000 | 6,728,000 |
| Interest expense | 243,000 | 520,000 | 764,000 | 1,002,000 |
| Net interest income | 1,452,000 | 2,862,000 | 4,308,000 | 5,726,000 |
| Noninterest income | 322,000 | 467,000 | 820,000 | 1,145,000 |
| Noninterest expense | 1,081,000 | 2,209,000 | 3,364,000 | 4,596,000 |
| Provision for loan losses | 80,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 613,000 | 1,040,000 | 1,654,000 | 2,144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 613,000 | 1,040,000 | 1,654,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,655,000 | 16,631,000 | 16,796,000 | 16,836,000 |
| Total capital | 17,776,000 | 17,751,000 | 17,907,000 | 17,905,000 |
| Risk-weighted assets | 88,659,000 | 88,624,000 | 87,860,000 | 84,544,000 |