Call reports 2012
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2012
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,603,000 | 89,380,000 | 88,150,000 | 86,192,000 |
| Total loans | 76,086,000 | 73,869,000 | 74,328,000 | 71,325,000 |
| Allowance for loan losses | 2,425,000 | 2,278,000 | 2,467,000 | 3,259,000 |
| Securities available for sale | 994,000 | 989,000 | 986,000 | 979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,208,000 | 61,371,000 | 60,421,000 | 59,054,000 |
| Interest-bearing deposits | 58,651,000 | 58,228,000 | 56,785,000 | 56,274,000 |
| Noninterest-bearing deposits | 3,557,000 | 3,143,000 | 3,636,000 | 2,780,000 |
| Equity capital | 19,286,000 | 19,379,000 | 19,421,000 | 18,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,177,000 | 2,334,000 | 3,466,000 | 4,570,000 |
| Interest expense | 186,000 | 363,000 | 532,000 | 696,000 |
| Net interest income | 991,000 | 1,971,000 | 2,934,000 | 3,874,000 |
| Noninterest income | 96,000 | 234,000 | 296,000 | 387,000 |
| Noninterest expense | 736,000 | 1,443,000 | 2,144,000 | 2,978,000 |
| Provision for loan losses | 15,000 | 286,000 | 529,000 | 1,494,000 |
| Pretax income | 336,000 | 476,000 | 557,000 | -211,000 |
| Income tax | 102,000 | 150,000 | 190,000 | -84,000 |
| Net income | 234,000 | 326,000 | 367,000 | -127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,279,000 | 19,370,000 | 19,410,000 | 18,916,000 |
| Total capital | 19,991,000 | 20,076,000 | 20,109,000 | 19,606,000 |
| Risk-weighted assets | 55,250,000 | 54,921,000 | 54,185,000 | 52,627,000 |