Call reports 2025
UNITED CUMBERLAND BANK — 2025
What UNITED CUMBERLAND BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 432,960,000 | 446,384,000 | 448,227,000 | 453,787,000 |
| Total loans | 305,886,000 | 311,118,000 | 316,243,000 | 319,144,000 |
| Allowance for loan losses | 4,428,000 | 4,625,000 | 4,603,000 | 4,634,000 |
| Securities available for sale | 75,828,000 | 72,847,000 | 74,531,000 | 76,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,586,000 | 386,826,000 | 389,118,000 | 394,327,000 |
| Interest-bearing deposits | 288,307,000 | 299,128,000 | 303,557,000 | 308,569,000 |
| Noninterest-bearing deposits | 86,279,000 | 87,698,000 | 85,561,000 | 85,758,000 |
| Equity capital | 45,225,000 | 46,652,000 | 48,402,000 | 49,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,903,000 | 12,184,000 | 18,707,000 | 25,249,000 |
| Interest expense | 1,778,000 | 3,635,000 | 5,549,000 | 7,418,000 |
| Net interest income | 4,125,000 | 8,549,000 | 13,158,000 | 17,831,000 |
| Noninterest income | 1,005,000 | 1,980,000 | 2,974,000 | 4,047,000 |
| Noninterest expense | 3,110,000 | 6,316,000 | 9,480,000 | 12,804,000 |
| Provision for loan losses | 263,000 | 525,000 | 654,000 | 739,000 |
| Pretax income | 1,757,000 | 3,688,000 | 5,918,000 | 8,255,000 |
| Income tax | 33,000 | 58,000 | 84,000 | 116,000 |
| Net income | 1,724,000 | 3,630,000 | 5,834,000 | 8,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,069,000 | 50,675,000 | 51,579,000 | 51,984,000 |