Call reports 2017
CULLMAN SAVINGS BANK — 2017
What CULLMAN SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 282,799,000 | 285,236,000 | 281,885,000 | 282,580,000 |
| Total loans | 224,140,000 | 224,959,000 | 223,997,000 | 224,107,000 |
| Allowance for loan losses | 2,105,000 | 2,071,000 | 2,070,000 | 2,070,000 |
| Securities available for sale | 25,232,000 | 24,879,000 | 24,347,000 | 23,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,134,000 | 186,602,000 | 187,131,000 | 188,817,000 |
| Interest-bearing deposits | 158,798,000 | 161,258,000 | 162,508,000 | 166,297,000 |
| Noninterest-bearing deposits | 26,336,000 | 25,344,000 | 24,623,000 | 22,520,000 |
| Equity capital | 40,142,000 | 41,039,000 | 41,691,000 | 41,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,121,000 | 6,309,000 | 9,507,000 | 12,711,000 |
| Interest expense | 583,000 | 1,184,000 | 1,826,000 | 2,400,000 |
| Net interest income | 2,538,000 | 5,125,000 | 7,681,000 | 10,311,000 |
| Noninterest income | 317,000 | 635,000 | 941,000 | 1,332,000 |
| Noninterest expense | 1,852,000 | 3,552,000 | 5,433,000 | 7,126,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,003,000 | 2,208,000 | 3,189,000 | 4,517,000 |
| Income tax | 322,000 | 727,000 | 1,044,000 | 1,826,000 |
| Net income | 681,000 | 1,481,000 | 2,145,000 | 2,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,176,000 | 40,979,000 | 41,659,000 | 41,459,000 |
| Total capital | 42,281,000 | 43,050,000 | 43,729,000 | 43,529,000 |
| Risk-weighted assets | 199,170,000 | 199,074,000 | 197,888,000 | 195,952,000 |