Call reports 2022
CULLMAN SAVINGS BANK — 2022
What CULLMAN SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 351,393,000 | 381,899,000 | 404,384,000 | 421,805,000 |
| Total loans | 268,312,000 | 308,418,000 | 326,715,000 | 331,232,000 |
| Allowance for loan losses | 2,446,000 | 2,563,000 | 2,683,000 | 2,841,000 |
| Securities available for sale | 27,090,000 | 27,598,000 | 26,815,000 | 29,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,887,000 | 303,791,000 | 310,732,000 | 317,366,000 |
| Interest-bearing deposits | 222,018,000 | 249,403,000 | 256,337,000 | 261,819,000 |
| Noninterest-bearing deposits | 51,869,000 | 54,388,000 | 54,395,000 | 55,547,000 |
| Equity capital | 69,811,000 | 69,974,000 | 69,848,000 | 71,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,569,000 | 7,659,000 | 11,901,000 | 16,529,000 |
| Interest expense | 267,000 | 512,000 | 820,000 | 1,477,000 |
| Net interest income | 3,302,000 | 7,147,000 | 11,081,000 | 15,052,000 |
| Noninterest income | 389,000 | 794,000 | 1,166,000 | 1,570,000 |
| Noninterest expense | 2,271,000 | 4,719,000 | 7,543,000 | 10,595,000 |
| Provision for loan losses | 40,000 | 155,000 | 275,000 | 438,000 |
| Pretax income | 1,371,000 | 3,061,000 | 4,410,000 | 5,531,000 |
| Income tax | 312,000 | 632,000 | 1,006,000 | 1,164,000 |
| Net income | 1,059,000 | 2,429,000 | 3,404,000 | 4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,973,000 | 72,520,000 | 73,671,000 | 75,221,000 |