Call reports 2025
CULLMAN SAVINGS BANK — 2025
What CULLMAN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 429,982,000 | 445,369,000 | 443,207,000 | 431,245,000 |
| Total loans | 361,082,000 | 365,029,000 | 357,453,000 | 361,011,000 |
| Allowance for loan losses | 2,894,000 | 2,882,000 | 2,898,000 | 2,899,000 |
| Securities available for sale | 23,245,000 | 23,063,000 | 21,938,000 | 21,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,058,000 | 299,526,000 | 294,952,000 | 295,182,000 |
| Interest-bearing deposits | 251,948,000 | 261,899,000 | 258,071,000 | 256,996,000 |
| Noninterest-bearing deposits | 44,110,000 | 37,627,000 | 36,881,000 | 38,186,000 |
| Equity capital | 79,663,000 | 81,016,000 | 82,748,000 | 81,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,520,000 | 11,220,000 | 17,143,000 | 23,080,000 |
| Interest expense | 1,752,000 | 3,503,000 | 5,348,000 | 7,105,000 |
| Net interest income | 3,768,000 | 7,717,000 | 11,795,000 | 15,975,000 |
| Noninterest income | 349,000 | 708,000 | 1,087,000 | 1,420,000 |
| Noninterest expense | 2,975,000 | 6,024,000 | 8,975,000 | 12,004,000 |
| Provision for loan losses | 12,000 | 0 | 23,000 | 24,000 |
| Pretax income | 1,136,000 | 2,358,000 | 3,859,000 | 5,339,000 |
| Income tax | 223,000 | 499,000 | 812,000 | 1,124,000 |
| Net income | 913,000 | 1,859,000 | 3,047,000 | 4,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,248,000 | 83,489,000 | 84,925,000 | 83,390,000 |