Call reports 2015
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2015
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 84,489,000 | 83,464,000 | 81,978,000 | 82,017,000 |
| Total loans | 69,077,000 | 69,656,000 | 70,199,000 | 69,857,000 |
| Allowance for loan losses | 1,368,000 | 1,315,000 | 1,260,000 | 1,148,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,805,000 | 58,657,000 | 58,540,000 | 58,441,000 |
| Interest-bearing deposits | 55,522,000 | 54,845,000 | 54,083,000 | 54,289,000 |
| Noninterest-bearing deposits | 4,283,000 | 3,812,000 | 4,457,000 | 4,152,000 |
| Equity capital | 19,572,000 | 19,709,000 | 19,821,000 | 19,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,910,000 | 2,868,000 | 3,809,000 |
| Interest expense | 114,000 | 231,000 | 335,000 | 425,000 |
| Net interest income | 828,000 | 1,679,000 | 2,533,000 | 3,384,000 |
| Noninterest income | 50,000 | 153,000 | 204,000 | 296,000 |
| Noninterest expense | 847,000 | 1,645,000 | 2,425,000 | 3,299,000 |
| Provision for loan losses | 0 | -50,000 | -95,000 | -109,000 |
| Pretax income | 31,000 | 237,000 | 407,000 | 490,000 |
| Income tax | 11,000 | 80,000 | 138,000 | 153,000 |
| Net income | 20,000 | 157,000 | 269,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,572,000 | 19,709,000 | 19,821,000 | 19,889,000 |
| Total capital | 20,194,000 | 20,330,000 | 20,462,000 | 20,530,000 |
| Risk-weighted assets | 49,067,000 | 49,048,000 | 50,708,000 | 50,782,000 |