Call reports 2021
CULLMAN SAVINGS BANK — 2021
What CULLMAN SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 332,340,000 | 374,319,000 | 370,937,000 | 352,652,000 |
| Total loans | 237,107,000 | 244,126,000 | 242,450,000 | 252,665,000 |
| Allowance for loan losses | 2,361,000 | 2,386,000 | 2,378,000 | 2,406,000 |
| Securities available for sale | 20,673,000 | 19,701,000 | 21,610,000 | 21,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,959,000 | 283,577,000 | 260,199,000 | 256,479,000 |
| Interest-bearing deposits | 205,230,000 | 212,562,000 | 211,428,000 | 207,095,000 |
| Noninterest-bearing deposits | 27,729,000 | 71,015,000 | 48,771,000 | 49,384,000 |
| Equity capital | 51,916,000 | 53,095,000 | 69,137,000 | 70,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,329,000 | 6,711,000 | 10,018,000 | 13,371,000 |
| Interest expense | 425,000 | 983,000 | 1,423,000 | 1,841,000 |
| Net interest income | 2,904,000 | 5,728,000 | 8,595,000 | 11,530,000 |
| Noninterest income | 323,000 | 737,000 | 1,096,000 | 1,433,000 |
| Noninterest expense | 2,181,000 | 4,301,000 | 6,596,000 | 9,053,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 60,000 |
| Pretax income | 1,046,000 | 2,139,000 | 3,070,000 | 3,850,000 |
| Income tax | 215,000 | 444,000 | 672,000 | 776,000 |
| Net income | 831,000 | 1,695,000 | 2,398,000 | 3,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,672,000 | 52,687,000 | 68,792,000 | 69,739,000 |