Call reports 2014
CULLMAN SAVINGS BANK — 2014
What CULLMAN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 226,723,000 | 227,701,000 | 226,561,000 | 231,750,000 |
| Total loans | 178,148,000 | 178,992,000 | 183,128,000 | 187,657,000 |
| Allowance for loan losses | 1,831,000 | 1,725,000 | 1,902,000 | 1,867,000 |
| Securities available for sale | 25,992,000 | 26,427,000 | 23,509,000 | 23,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,165,000 | 149,122,000 | 146,928,000 | 150,260,000 |
| Interest-bearing deposits | 133,672,000 | 135,994,000 | 134,009,000 | 135,093,000 |
| Noninterest-bearing deposits | 13,493,000 | 13,128,000 | 12,919,000 | 15,167,000 |
| Equity capital | 35,619,000 | 36,507,000 | 37,218,000 | 37,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,591,000 | 5,260,000 | 8,026,000 | 10,773,000 |
| Interest expense | 542,000 | 1,092,000 | 1,657,000 | 2,240,000 |
| Net interest income | 2,049,000 | 4,168,000 | 6,369,000 | 8,533,000 |
| Noninterest income | 183,000 | 379,000 | 598,000 | 777,000 |
| Noninterest expense | 1,451,000 | 2,976,000 | 4,443,000 | 5,906,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 781,000 | 1,571,000 | 2,436,000 | 3,316,000 |
| Income tax | 252,000 | 520,000 | 806,000 | 1,118,000 |
| Net income | 529,000 | 1,051,000 | 1,630,000 | 2,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,954,000 | 36,518,000 | 37,140,000 | 36,823,000 |
| Total capital | 37,785,000 | 38,243,000 | 39,042,000 | 38,690,000 |
| Risk-weighted assets | 167,840,000 | 169,159,000 | 169,911,000 | 173,958,000 |