Call reports 2012
CULLMAN SAVINGS BANK — 2012
What CULLMAN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 222,776,000 | 216,536,000 | 216,950,000 | 216,465,000 |
| Total loans | 162,202,000 | 162,825,000 | 164,870,000 | 164,059,000 |
| Allowance for loan losses | 698,000 | 1,509,000 | 1,521,000 | 1,611,000 |
| Securities available for sale | 33,308,000 | 28,010,000 | 29,891,000 | 28,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,392,000 | 138,128,000 | 142,255,000 | 142,455,000 |
| Interest-bearing deposits | 128,319,000 | 126,827,000 | 126,716,000 | 127,563,000 |
| Noninterest-bearing deposits | 16,073,000 | 11,301,000 | 15,539,000 | 14,892,000 |
| Equity capital | 33,834,000 | 34,201,000 | 34,863,000 | 34,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,878,000 | 5,660,000 | 8,399,000 | 11,228,000 |
| Interest expense | 661,000 | 1,300,000 | 2,030,000 | 2,599,000 |
| Net interest income | 2,217,000 | 4,360,000 | 6,369,000 | 8,629,000 |
| Noninterest income | 182,000 | 389,000 | 603,000 | 792,000 |
| Noninterest expense | 1,288,000 | 2,665,000 | 3,924,000 | 5,407,000 |
| Provision for loan losses | 127,000 | 1,005,000 | 1,058,000 | 1,058,000 |
| Pretax income | 984,000 | 1,079,000 | 1,990,000 | 2,956,000 |
| Income tax | 349,000 | 357,000 | 673,000 | 1,014,000 |
| Net income | 635,000 | 722,000 | 1,317,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,600,000 | 33,729,000 | 34,366,000 | 34,092,000 |
| Total capital | 34,298,000 | 35,238,000 | 35,887,000 | 35,703,000 |
| Risk-weighted assets | 155,685,000 | 158,936,000 | 160,262,000 | 159,510,000 |