Call reports 2016
UNITED CUMBERLAND BANK — 2016
What UNITED CUMBERLAND BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 284,662,000 | 293,023,000 | 289,268,000 | 283,094,000 |
| Total loans | 173,599,000 | 180,725,000 | 182,285,000 | 184,666,000 |
| Allowance for loan losses | 3,147,000 | 3,175,000 | 2,930,000 | 2,810,000 |
| Securities available for sale | 39,239,000 | 38,914,000 | 38,686,000 | 39,050,000 |
| Securities held to maturity | 41,168,000 | 40,236,000 | 38,800,000 | 37,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,627,000 | 239,970,000 | 235,591,000 | 230,464,000 |
| Interest-bearing deposits | 180,002,000 | 189,405,000 | 184,899,000 | 181,570,000 |
| Noninterest-bearing deposits | 51,625,000 | 50,565,000 | 50,692,000 | 48,894,000 |
| Equity capital | 34,473,000 | 34,747,000 | 34,947,000 | 34,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,138,000 | 6,232,000 | 9,539,000 | 12,904,000 |
| Interest expense | 364,000 | 742,000 | 1,132,000 | 1,510,000 |
| Net interest income | 2,774,000 | 5,490,000 | 8,407,000 | 11,394,000 |
| Noninterest income | 561,000 | 1,130,000 | 1,780,000 | 2,278,000 |
| Noninterest expense | 2,237,000 | 4,475,000 | 6,846,000 | 9,244,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 948,000 | 1,900,000 | 3,102,000 | 4,192,000 |
| Income tax | 55,000 | 87,000 | 120,000 | 152,000 |
| Net income | 893,000 | 1,813,000 | 2,982,000 | 4,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,357,000 | 34,452,000 | 34,796,000 | 35,030,000 |
| Total capital | 36,451,000 | 36,651,000 | 37,005,000 | 37,254,000 |
| Risk-weighted assets | 166,454,000 | 174,951,000 | 176,003,000 | 177,323,000 |