Call reports 2022
UNITED CUMBERLAND BANK — 2022
What UNITED CUMBERLAND BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 384,535,000 | 377,064,000 | 374,210,000 | 375,602,000 |
| Total loans | 222,879,000 | 233,651,000 | 243,432,000 | 248,584,000 |
| Allowance for loan losses | 3,197,000 | 3,281,000 | 3,382,000 | 3,444,000 |
| Securities available for sale | 83,435,000 | 83,598,000 | 79,420,000 | 79,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,190,000 | 326,278,000 | 327,993,000 | 327,866,000 |
| Interest-bearing deposits | 237,275,000 | 234,360,000 | 237,463,000 | 238,072,000 |
| Noninterest-bearing deposits | 93,915,000 | 91,918,000 | 90,530,000 | 89,794,000 |
| Equity capital | 38,395,000 | 36,771,000 | 32,360,000 | 34,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,322,000 | 6,849,000 | 10,609,000 | 14,692,000 |
| Interest expense | 273,000 | 494,000 | 755,000 | 1,057,000 |
| Net interest income | 3,049,000 | 6,355,000 | 9,854,000 | 13,635,000 |
| Noninterest income | 1,097,000 | 2,033,000 | 2,923,000 | 3,837,000 |
| Noninterest expense | 2,466,000 | 5,071,000 | 7,792,000 | 10,504,000 |
| Provision for loan losses | 70,000 | 153,000 | 283,000 | 433,000 |
| Pretax income | 1,610,000 | 3,164,000 | 4,702,000 | 6,535,000 |
| Income tax | 28,000 | 61,000 | 96,000 | 97,000 |
| Net income | 1,582,000 | 3,103,000 | 4,606,000 | 6,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,950,000 | 44,570,000 | 43,574,000 | 44,505,000 |