Call reports 2020
CULLMAN SAVINGS BANK — 2020
What CULLMAN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 311,017,000 | 329,195,000 | 324,273,000 | 329,600,000 |
| Total loans | 247,352,000 | 248,878,000 | 238,664,000 | 232,805,000 |
| Allowance for loan losses | 2,328,000 | 2,351,000 | 2,351,000 | 2,361,000 |
| Securities available for sale | 20,128,000 | 20,095,000 | 20,104,000 | 18,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,192,000 | 213,066,000 | 215,455,000 | 221,006,000 |
| Interest-bearing deposits | 176,575,000 | 188,991,000 | 193,673,000 | 195,927,000 |
| Noninterest-bearing deposits | 20,617,000 | 24,075,000 | 21,782,000 | 25,079,000 |
| Equity capital | 48,194,000 | 49,866,000 | 50,910,000 | 51,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,558,000 | 7,077,000 | 10,578,000 | 14,172,000 |
| Interest expense | 746,000 | 1,457,000 | 2,276,000 | 2,873,000 |
| Net interest income | 2,812,000 | 5,620,000 | 8,302,000 | 11,299,000 |
| Noninterest income | 360,000 | 674,000 | 1,025,000 | 1,380,000 |
| Noninterest expense | 2,033,000 | 3,874,000 | 5,952,000 | 7,924,000 |
| Provision for loan losses | 110,000 | 152,000 | 152,000 | 152,000 |
| Pretax income | 1,029,000 | 2,268,000 | 3,223,000 | 4,603,000 |
| Income tax | 206,000 | 475,000 | 674,000 | 975,000 |
| Net income | 823,000 | 1,793,000 | 2,549,000 | 3,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,524,000 | 49,511,000 | 50,374,000 | 50,690,000 |