Call reports 2019
CULLMAN SAVINGS BANK — 2019
What CULLMAN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 298,749,000 | 298,483,000 | 301,393,000 | 296,610,000 |
| Total loans | 248,034,000 | 244,891,000 | 245,035,000 | 249,860,000 |
| Allowance for loan losses | 2,193,000 | 2,193,000 | 2,193,000 | 2,218,000 |
| Securities available for sale | 23,063,000 | 23,167,000 | 23,528,000 | 23,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,934,000 | 197,492,000 | 198,918,000 | 193,252,000 |
| Interest-bearing deposits | 173,165,000 | 172,912,000 | 176,562,000 | 172,291,000 |
| Noninterest-bearing deposits | 25,769,000 | 24,580,000 | 22,356,000 | 20,961,000 |
| Equity capital | 45,480,000 | 46,654,000 | 47,681,000 | 47,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,540,000 | 7,115,000 | 10,728,000 | 14,332,000 |
| Interest expense | 741,000 | 1,532,000 | 2,354,000 | 3,131,000 |
| Net interest income | 2,799,000 | 5,583,000 | 8,374,000 | 11,201,000 |
| Noninterest income | 275,000 | 585,000 | 1,005,000 | 1,408,000 |
| Noninterest expense | 1,872,000 | 3,796,000 | 5,763,000 | 7,710,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 55,000 |
| Pretax income | 1,172,000 | 2,342,000 | 3,586,000 | 4,847,000 |
| Income tax | 217,000 | 471,000 | 743,000 | 1,033,000 |
| Net income | 955,000 | 1,871,000 | 2,843,000 | 3,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,541,000 | 46,475,000 | 47,464,000 | 47,683,000 |
| Total capital | 47,734,000 | 48,668,000 | 49,657,000 | 49,901,000 |
| Risk-weighted assets | 218,467,000 | 215,648,000 | 215,151,000 | 222,751,000 |