Call reports 2021
UNITED CUMBERLAND BANK — 2021
What UNITED CUMBERLAND BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 360,770,000 | 366,806,000 | 375,085,000 | 379,079,000 |
| Total loans | 201,388,000 | 204,853,000 | 201,275,000 | 215,635,000 |
| Allowance for loan losses | 3,240,000 | 3,324,000 | 3,267,000 | 3,214,000 |
| Securities available for sale | 77,918,000 | 93,908,000 | 86,735,000 | 88,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,991,000 | 311,385,000 | 318,877,000 | 323,343,000 |
| Interest-bearing deposits | 218,424,000 | 225,054,000 | 229,713,000 | 235,528,000 |
| Noninterest-bearing deposits | 87,567,000 | 86,331,000 | 89,164,000 | 87,815,000 |
| Equity capital | 41,563,000 | 42,132,000 | 42,842,000 | 42,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,229,000 | 6,440,000 | 9,982,000 | 13,337,000 |
| Interest expense | 353,000 | 675,000 | 979,000 | 1,276,000 |
| Net interest income | 2,876,000 | 5,765,000 | 9,003,000 | 12,061,000 |
| Noninterest income | 936,000 | 1,752,000 | 2,664,000 | 3,528,000 |
| Noninterest expense | 2,448,000 | 4,953,000 | 7,483,000 | 10,120,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 1,304,000 | 2,504,000 | 4,124,000 | 5,409,000 |
| Income tax | 34,000 | 61,000 | 88,000 | 116,000 |
| Net income | 1,270,000 | 2,443,000 | 4,036,000 | 5,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,795,000 | 42,118,000 | 42,861,000 | 43,268,000 |