Call reports 2023
CULLMAN SAVINGS BANK — 2023
What CULLMAN SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 415,999,000 | 416,364,000 | 415,951,000 | 410,022,000 |
| Total loans | 334,324,000 | 335,832,000 | 339,547,000 | 340,740,000 |
| Allowance for loan losses | 3,082,000 | 3,112,000 | 3,004,000 | 3,271,000 |
| Securities available for sale | 29,782,000 | 29,368,000 | 27,325,000 | 28,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,707,000 | 298,442,000 | 296,693,000 | 290,238,000 |
| Interest-bearing deposits | 243,978,000 | 248,017,000 | 244,810,000 | 239,972,000 |
| Noninterest-bearing deposits | 55,729,000 | 50,425,000 | 51,883,000 | 50,266,000 |
| Equity capital | 73,134,000 | 74,363,000 | 74,924,000 | 76,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,652,000 | 9,415,000 | 14,466,000 | 19,459,000 |
| Interest expense | 782,000 | 1,837,000 | 3,042,000 | 4,370,000 |
| Net interest income | 3,870,000 | 7,578,000 | 11,424,000 | 15,089,000 |
| Noninterest income | 330,000 | 838,000 | 1,182,000 | 1,578,000 |
| Noninterest expense | 2,712,000 | 5,555,000 | 8,316,000 | 11,052,000 |
| Provision for loan losses | 74,000 | 47,000 | 47,000 | 294,000 |
| Pretax income | 1,425,000 | 2,810,000 | 4,253,000 | 5,331,000 |
| Income tax | 359,000 | 651,000 | 965,000 | 1,166,000 |
| Net income | 1,066,000 | 2,159,000 | 3,288,000 | 4,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,180,000 | 77,448,000 | 78,848,000 | 79,101,000 |