Call reports 2013
CULLMAN SAVINGS BANK — 2013
What CULLMAN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 215,976,000 | 221,439,000 | 224,460,000 | 225,620,000 |
| Total loans | 168,191,000 | 173,871,000 | 177,871,000 | 177,913,000 |
| Allowance for loan losses | 1,615,000 | 1,826,000 | 1,818,000 | 1,825,000 |
| Securities available for sale | 27,955,000 | 24,341,000 | 25,034,000 | 25,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,956,000 | 144,583,000 | 146,845,000 | 147,155,000 |
| Interest-bearing deposits | 127,224,000 | 130,607,000 | 133,587,000 | 133,228,000 |
| Noninterest-bearing deposits | 13,732,000 | 13,976,000 | 13,258,000 | 13,927,000 |
| Equity capital | 35,173,000 | 35,088,000 | 35,497,000 | 34,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,574,000 | 8,310,000 | 10,983,000 |
| Interest expense | 541,000 | 1,079,000 | 1,623,000 | 2,170,000 |
| Net interest income | 2,178,000 | 4,495,000 | 6,687,000 | 8,813,000 |
| Noninterest income | 179,000 | 343,000 | 504,000 | 660,000 |
| Noninterest expense | 1,420,000 | 2,983,000 | 4,616,000 | 6,374,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 937,000 | 1,855,000 | 2,575,000 | 3,099,000 |
| Income tax | 303,000 | 612,000 | 845,000 | 1,022,000 |
| Net income | 634,000 | 1,243,000 | 1,730,000 | 2,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,758,000 | 35,409,000 | 35,937,000 | 35,406,000 |
| Total capital | 36,373,000 | 37,234,000 | 37,755,000 | 37,231,000 |
| Risk-weighted assets | 161,397,000 | 165,428,000 | 168,104,000 | 167,983,000 |