Call reports 2015
UNITED CUMBERLAND BANK — 2015
What UNITED CUMBERLAND BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 283,036,000 | 280,963,000 | 277,506,000 | 278,071,000 |
| Total loans | 173,314,000 | 175,894,000 | 172,200,000 | 174,963,000 |
| Allowance for loan losses | 3,481,000 | 3,439,000 | 3,259,000 | 3,242,000 |
| Securities available for sale | 41,436,000 | 38,614,000 | 35,413,000 | 34,708,000 |
| Securities held to maturity | 32,393,000 | 34,359,000 | 36,306,000 | 39,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,422,000 | 228,981,000 | 225,466,000 | 225,758,000 |
| Interest-bearing deposits | 184,347,000 | 180,942,000 | 179,702,000 | 178,710,000 |
| Noninterest-bearing deposits | 47,075,000 | 48,039,000 | 45,764,000 | 47,048,000 |
| Equity capital | 33,490,000 | 33,600,000 | 34,110,000 | 34,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,117,000 | 6,271,000 | 9,510,000 | 12,680,000 |
| Interest expense | 374,000 | 751,000 | 1,119,000 | 1,490,000 |
| Net interest income | 2,743,000 | 5,520,000 | 8,391,000 | 11,190,000 |
| Noninterest income | 516,000 | 994,000 | 1,475,000 | 1,993,000 |
| Noninterest expense | 2,136,000 | 4,341,000 | 6,545,000 | 8,703,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 100,000 |
| Pretax income | 1,073,000 | 2,123,000 | 3,271,000 | 4,380,000 |
| Income tax | 18,000 | 44,000 | 70,000 | 96,000 |
| Net income | 1,055,000 | 2,079,000 | 3,201,000 | 4,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,435,000 | 33,659,000 | 33,981,000 | 34,264,000 |
| Total capital | 35,565,000 | 35,807,000 | 36,051,000 | 36,370,000 |
| Risk-weighted assets | 169,072,000 | 170,560,000 | 164,425,000 | 167,311,000 |