Call reports 2019
UNITED CUMBERLAND BANK — 2019
What UNITED CUMBERLAND BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 297,261,000 | 292,405,000 | 297,275,000 | 297,555,000 |
| Total loans | 201,179,000 | 199,421,000 | 198,902,000 | 200,128,000 |
| Allowance for loan losses | 2,927,000 | 2,879,000 | 2,897,000 | 2,953,000 |
| Securities available for sale | 59,460,000 | 56,324,000 | 58,605,000 | 58,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,086,000 | 238,034,000 | 241,348,000 | 241,717,000 |
| Interest-bearing deposits | 187,446,000 | 185,217,000 | 187,734,000 | 187,379,000 |
| Noninterest-bearing deposits | 56,640,000 | 52,817,000 | 53,614,000 | 54,338,000 |
| Equity capital | 37,883,000 | 38,741,000 | 39,691,000 | 39,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,691,000 | 7,500,000 | 11,315,000 | 15,077,000 |
| Interest expense | 460,000 | 971,000 | 1,512,000 | 2,064,000 |
| Net interest income | 3,231,000 | 6,529,000 | 9,803,000 | 13,013,000 |
| Noninterest income | 607,000 | 1,363,000 | 2,147,000 | 3,031,000 |
| Noninterest expense | 2,463,000 | 4,910,000 | 7,083,000 | 9,699,000 |
| Provision for loan losses | 90,000 | 355,000 | 505,000 | 655,000 |
| Pretax income | 1,285,000 | 2,627,000 | 4,362,000 | 5,690,000 |
| Income tax | 72,000 | 120,000 | 167,000 | 215,000 |
| Net income | 1,213,000 | 2,507,000 | 4,195,000 | 5,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,287,000 | 38,757,000 | 39,621,000 | 39,900,000 |
| Total capital | 40,569,000 | 41,016,000 | 41,908,000 | 42,151,000 |
| Risk-weighted assets | 181,902,000 | 180,068,000 | 182,324,000 | 179,349,000 |