Call reports 2018
CULLMAN SAVINGS BANK — 2018
What CULLMAN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 288,673,000 | 300,295,000 | 294,861,000 | 292,288,000 |
| Total loans | 227,233,000 | 234,204,000 | 237,750,000 | 244,459,000 |
| Allowance for loan losses | 2,071,000 | 2,117,000 | 2,156,000 | 2,163,000 |
| Securities available for sale | 23,148,000 | 22,883,000 | 23,009,000 | 22,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,227,000 | 204,399,000 | 197,664,000 | 195,339,000 |
| Interest-bearing deposits | 170,394,000 | 175,935,000 | 170,374,000 | 167,192,000 |
| Noninterest-bearing deposits | 23,833,000 | 28,464,000 | 27,290,000 | 28,147,000 |
| Equity capital | 41,980,000 | 43,007,000 | 43,945,000 | 44,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,231,000 | 6,636,000 | 10,134,000 | 13,673,000 |
| Interest expense | 583,000 | 1,199,000 | 1,844,000 | 2,521,000 |
| Net interest income | 2,648,000 | 5,437,000 | 8,290,000 | 11,152,000 |
| Noninterest income | 297,000 | 626,000 | 1,028,000 | 881,000 |
| Noninterest expense | 1,755,000 | 3,531,000 | 5,400,000 | 6,986,000 |
| Provision for loan losses | 10,000 | 34,000 | 75,000 | 83,000 |
| Pretax income | 1,180,000 | 2,498,000 | 3,843,000 | 4,964,000 |
| Income tax | 243,000 | 532,000 | 828,000 | 1,067,000 |
| Net income | 937,000 | 1,966,000 | 3,015,000 | 3,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,415,000 | 43,459,000 | 44,535,000 | 44,571,000 |
| Total capital | 44,486,000 | 45,576,000 | 46,691,000 | 46,734,000 |
| Risk-weighted assets | 199,873,000 | 204,553,000 | 206,689,000 | 216,855,000 |