Call reports 2015
CULLMAN SAVINGS BANK — 2015
What CULLMAN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 238,979,000 | 240,001,000 | 241,926,000 | 242,846,000 |
| Total loans | 184,603,000 | 188,739,000 | 191,490,000 | 199,782,000 |
| Allowance for loan losses | 1,861,000 | 1,855,000 | 1,890,000 | 1,890,000 |
| Securities available for sale | 22,866,000 | 22,422,000 | 21,157,000 | 22,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,264,000 | 154,527,000 | 155,331,000 | 157,135,000 |
| Interest-bearing deposits | 137,787,000 | 139,028,000 | 138,897,000 | 140,668,000 |
| Noninterest-bearing deposits | 16,477,000 | 15,499,000 | 16,434,000 | 16,467,000 |
| Equity capital | 37,710,000 | 38,248,000 | 39,161,000 | 38,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,640,000 | 5,443,000 | 8,251,000 | 11,126,000 |
| Interest expense | 732,000 | 1,312,000 | 1,901,000 | 2,444,000 |
| Net interest income | 1,908,000 | 4,131,000 | 6,350,000 | 8,682,000 |
| Noninterest income | 254,000 | 643,000 | 911,000 | 1,217,000 |
| Noninterest expense | 1,469,000 | 3,034,000 | 4,405,000 | 6,230,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 153,000 |
| Pretax income | 693,000 | 1,740,000 | 2,866,000 | 3,576,000 |
| Income tax | 225,000 | 529,000 | 895,000 | 1,155,000 |
| Net income | 468,000 | 1,211,000 | 1,971,000 | 2,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,325,000 | 38,103,000 | 38,896,000 | 38,523,000 |
| Total capital | 39,186,000 | 39,958,000 | 40,786,000 | 40,413,000 |
| Risk-weighted assets | 170,717,000 | 173,412,000 | 174,040,000 | 176,458,000 |