Call reports 2014
UNITED CUMBERLAND BANK — 2014
What UNITED CUMBERLAND BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,846,000 | 283,462,000 | 277,733,000 | 275,939,000 |
| Total loans | 95,283,000 | 178,532,000 | 177,028,000 | 178,131,000 |
| Allowance for loan losses | 1,984,000 | 3,660,000 | 3,664,000 | 3,559,000 |
| Securities available for sale | 13,540,000 | 31,339,000 | 35,743,000 | 39,198,000 |
| Securities held to maturity | 12,200,000 | 33,933,000 | 31,435,000 | 30,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,358,000 | 231,866,000 | 225,759,000 | 225,628,000 |
| Interest-bearing deposits | 88,195,000 | 187,807,000 | 184,346,000 | 182,152,000 |
| Noninterest-bearing deposits | 21,163,000 | 44,059,000 | 41,413,000 | 43,476,000 |
| Equity capital | 16,821,000 | 32,585,000 | 33,073,000 | 32,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,597,000 | 6,292,000 | 9,500,000 | 12,824,000 |
| Interest expense | 216,000 | 919,000 | 1,344,000 | 1,743,000 |
| Net interest income | 1,381,000 | 5,373,000 | 8,156,000 | 11,081,000 |
| Noninterest income | 373,000 | 978,000 | 1,435,000 | 1,366,000 |
| Noninterest expense | 1,135,000 | 4,688,000 | 6,893,000 | 9,303,000 |
| Provision for loan losses | 35,000 | 85,000 | 115,000 | 165,000 |
| Pretax income | 584,000 | 1,578,000 | 2,583,000 | 2,979,000 |
| Income tax | 0 | 38,000 | 56,000 | 74,000 |
| Net income | 584,000 | 1,540,000 | 2,527,000 | 2,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,970,000 | 32,765,000 | 33,302,000 | 33,031,000 |
| Total capital | 18,054,000 | 34,862,000 | 35,409,000 | 35,163,000 |
| Risk-weighted assets | 85,806,000 | 166,204,000 | 167,031,000 | 169,116,000 |