Call reports 2016
CULLMAN SAVINGS BANK — 2016
What CULLMAN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 257,858,000 | 257,700,000 | 273,398,000 | 273,036,000 |
| Total loans | 207,114,000 | 209,754,000 | 215,808,000 | 224,570,000 |
| Allowance for loan losses | 1,940,000 | 1,960,000 | 2,010,000 | 2,113,000 |
| Securities available for sale | 21,720,000 | 21,056,000 | 21,603,000 | 22,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,251,000 | 165,074,000 | 179,736,000 | 176,393,000 |
| Interest-bearing deposits | 149,333,000 | 146,093,000 | 158,910,000 | 151,968,000 |
| Noninterest-bearing deposits | 16,918,000 | 18,981,000 | 20,826,000 | 24,425,000 |
| Equity capital | 39,515,000 | 40,297,000 | 40,951,000 | 39,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,921,000 | 5,913,000 | 8,979,000 | 12,075,000 |
| Interest expense | 527,000 | 1,076,000 | 1,633,000 | 2,206,000 |
| Net interest income | 2,394,000 | 4,837,000 | 7,346,000 | 9,869,000 |
| Noninterest income | 271,000 | 554,000 | 830,000 | 1,203,000 |
| Noninterest expense | 1,610,000 | 3,231,000 | 4,857,000 | 6,582,000 |
| Provision for loan losses | 50,000 | 110,000 | 190,000 | 294,000 |
| Pretax income | 1,005,000 | 2,050,000 | 3,129,000 | 4,204,000 |
| Income tax | 344,000 | 709,000 | 1,086,000 | 1,455,000 |
| Net income | 661,000 | 1,341,000 | 2,043,000 | 2,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,196,000 | 39,888,000 | 40,603,000 | 39,483,000 |
| Total capital | 41,136,000 | 41,848,000 | 42,613,000 | 41,596,000 |
| Risk-weighted assets | 185,426,000 | 187,079,000 | 191,358,000 | 200,316,000 |