Call reports 2017
UNITED CUMBERLAND BANK — 2017
What UNITED CUMBERLAND BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 292,500,000 | 289,108,000 | 286,588,000 | 285,676,000 |
| Total loans | 184,444,000 | 187,178,000 | 192,117,000 | 189,931,000 |
| Allowance for loan losses | 2,818,000 | 2,813,000 | 2,814,000 | 2,666,000 |
| Securities available for sale | 35,785,000 | 35,106,000 | 68,783,000 | 67,214,000 |
| Securities held to maturity | 36,352,000 | 35,137,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,889,000 | 235,555,000 | 232,795,000 | 232,794,000 |
| Interest-bearing deposits | 184,609,000 | 183,474,000 | 183,645,000 | 183,482,000 |
| Noninterest-bearing deposits | 54,280,000 | 52,081,000 | 49,150,000 | 49,312,000 |
| Equity capital | 35,105,000 | 35,545,000 | 36,180,000 | 35,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,334,000 | 6,693,000 | 9,997,000 | 13,549,000 |
| Interest expense | 368,000 | 743,000 | 1,127,000 | 1,522,000 |
| Net interest income | 2,966,000 | 5,950,000 | 8,870,000 | 12,027,000 |
| Noninterest income | 705,000 | 1,246,000 | 2,091,000 | 2,717,000 |
| Noninterest expense | 2,325,000 | 4,666,000 | 7,057,000 | 9,580,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 315,000 |
| Pretax income | 1,272,000 | 2,382,000 | 3,666,000 | 4,851,000 |
| Income tax | 35,000 | 70,000 | 103,000 | 137,000 |
| Net income | 1,237,000 | 2,312,000 | 3,563,000 | 4,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,442,000 | 35,691,000 | 36,118,000 | 36,444,000 |
| Total capital | 37,660,000 | 37,935,000 | 38,409,000 | 38,690,000 |
| Risk-weighted assets | 176,809,000 | 178,981,000 | 182,718,000 | 179,246,000 |