Call reports 2018
UNITED CUMBERLAND BANK — 2018
What UNITED CUMBERLAND BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 288,807,000 | 289,486,000 | 288,348,000 | 287,229,000 |
| Total loans | 194,147,000 | 199,292,000 | 198,596,000 | 198,813,000 |
| Allowance for loan losses | 2,729,000 | 2,731,000 | 2,823,000 | 2,877,000 |
| Securities available for sale | 65,172,000 | 63,215,000 | 59,925,000 | 57,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,771,000 | 236,416,000 | 236,434,000 | 235,260,000 |
| Interest-bearing deposits | 182,471,000 | 182,199,000 | 182,795,000 | 182,722,000 |
| Noninterest-bearing deposits | 54,300,000 | 54,217,000 | 53,639,000 | 52,538,000 |
| Equity capital | 35,527,000 | 35,762,000 | 36,159,000 | 37,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,216,000 | 6,556,000 | 10,072,000 | 13,638,000 |
| Interest expense | 388,000 | 788,000 | 1,217,000 | 1,660,000 |
| Net interest income | 2,828,000 | 5,768,000 | 8,855,000 | 11,978,000 |
| Noninterest income | 658,000 | 1,343,000 | 2,273,000 | 2,950,000 |
| Noninterest expense | 2,394,000 | 4,736,000 | 7,155,000 | 9,572,000 |
| Provision for loan losses | 112,000 | 225,000 | 338,000 | 450,000 |
| Pretax income | 980,000 | 2,150,000 | 3,635,000 | 4,906,000 |
| Income tax | 34,000 | 75,000 | 113,000 | 150,000 |
| Net income | 946,000 | 2,075,000 | 3,522,000 | 4,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,565,000 | 36,869,000 | 37,491,000 | 37,900,000 |
| Total capital | 38,847,000 | 39,055,000 | 39,776,000 | 40,183,000 |
| Risk-weighted assets | 182,074,000 | 174,337,000 | 182,275,000 | 182,063,000 |