Call reports 2014
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2014
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,538,000 | 82,915,000 | 82,947,000 | 84,209,000 |
| Total loans | 64,718,000 | 67,237,000 | 69,345,000 | 68,095,000 |
| Allowance for loan losses | 1,366,000 | 1,371,000 | 1,406,000 | 1,408,000 |
| Securities available for sale | 359,000 | 205,000 | 204,000 | 101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,004,000 | 58,350,000 | 58,347,000 | 59,504,000 |
| Interest-bearing deposits | 55,101,000 | 55,548,000 | 55,493,000 | 56,325,000 |
| Noninterest-bearing deposits | 2,903,000 | 2,802,000 | 2,854,000 | 3,179,000 |
| Equity capital | 19,423,000 | 19,474,000 | 19,477,000 | 19,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,852,000 | 2,841,000 | 3,846,000 |
| Interest expense | 128,000 | 248,000 | 367,000 | 484,000 |
| Net interest income | 731,000 | 1,604,000 | 2,474,000 | 3,362,000 |
| Noninterest income | 34,000 | 93,000 | 80,000 | 139,000 |
| Noninterest expense | 779,000 | 1,537,000 | 2,316,000 | 3,147,000 |
| Provision for loan losses | -2,000 | 95,000 | 170,000 | 203,000 |
| Pretax income | -12,000 | 65,000 | 68,000 | 151,000 |
| Income tax | -4,000 | 22,000 | 23,000 | 51,000 |
| Net income | -8,000 | 43,000 | 45,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,406,000 | 19,460,000 | 19,475,000 | 19,530,000 |
| Total capital | 20,017,000 | 20,096,000 | 20,126,000 | 20,167,000 |
| Risk-weighted assets | 48,106,000 | 50,144,000 | 51,291,000 | 50,174,000 |