Call reports 2016
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2016
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,242,000 | 81,566,000 | 82,017,000 | 81,726,000 |
| Total loans | 73,242,000 | 72,805,000 | 72,641,000 | 71,345,000 |
| Allowance for loan losses | 967,000 | 812,000 | 768,000 | 767,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,323,000 | 57,329,000 | 57,652,000 | 57,103,000 |
| Interest-bearing deposits | 53,120,000 | 52,471,000 | 52,029,000 | 52,378,000 |
| Noninterest-bearing deposits | 5,203,000 | 4,858,000 | 5,623,000 | 4,725,000 |
| Equity capital | 20,219,000 | 20,441,000 | 20,501,000 | 20,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,903,000 | 2,820,000 | 3,798,000 |
| Interest expense | 84,000 | 178,000 | 263,000 | 344,000 |
| Net interest income | 852,000 | 1,725,000 | 2,557,000 | 3,454,000 |
| Noninterest income | 170,000 | 228,000 | 297,000 | 461,000 |
| Noninterest expense | 701,000 | 1,427,000 | 2,241,000 | 3,187,000 |
| Provision for loan losses | -179,000 | -311,000 | -313,000 | -340,000 |
| Pretax income | 500,000 | 837,000 | 926,000 | 1,068,000 |
| Income tax | 170,000 | 285,000 | 315,000 | 363,000 |
| Net income | 330,000 | 552,000 | 611,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,219,000 | 20,441,000 | 20,484,000 | 20,567,000 |
| Total capital | 20,893,000 | 21,110,000 | 21,140,000 | 21,215,000 |
| Risk-weighted assets | 53,661,000 | 53,416,000 | 52,401,000 | 51,767,000 |