Call reports 2013
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2013
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 85,562,000 | 87,877,000 | 86,934,000 | 85,697,000 |
| Total loans | 68,707,000 | 68,095,000 | 66,609,000 | 65,472,000 |
| Allowance for loan losses | 2,842,000 | 2,548,000 | 1,272,000 | 1,433,000 |
| Securities available for sale | 765,000 | 754,000 | 598,000 | 363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,223,000 | 60,674,000 | 59,973,000 | 59,015,000 |
| Interest-bearing deposits | 56,631,000 | 57,544,000 | 57,400,000 | 56,151,000 |
| Noninterest-bearing deposits | 2,592,000 | 3,130,000 | 2,573,000 | 2,864,000 |
| Equity capital | 19,169,000 | 19,372,000 | 19,594,000 | 19,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,065,000 | 3,038,000 | 3,985,000 |
| Interest expense | 146,000 | 290,000 | 431,000 | 568,000 |
| Net interest income | 896,000 | 1,775,000 | 2,607,000 | 3,417,000 |
| Noninterest income | 162,000 | 236,000 | 280,000 | 334,000 |
| Noninterest expense | 723,000 | 1,489,000 | 2,283,000 | 3,122,000 |
| Provision for loan losses | -4,000 | -15,000 | -263,000 | 10,000 |
| Pretax income | 338,000 | 536,000 | 869,000 | 622,000 |
| Income tax | 100,000 | 167,000 | 281,000 | 197,000 |
| Net income | 238,000 | 369,000 | 588,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,149,000 | 19,355,000 | 19,577,000 | 19,413,000 |
| Total capital | 19,817,000 | 20,018,000 | 20,212,000 | 20,031,000 |
| Risk-weighted assets | 51,265,000 | 51,598,000 | 50,695,000 | 48,610,000 |