Call reports 2020
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2020
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 96,981,000 | 103,853,000 | 105,474,000 | 104,214,000 |
| Total loans | 74,874,000 | 86,675,000 | 90,794,000 | 87,453,000 |
| Allowance for loan losses | 644,000 | 646,000 | 662,000 | 668,000 |
| Securities available for sale | 3,226,000 | 4,030,000 | 3,919,000 | 3,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,662,000 | 72,022,000 | 73,447,000 | 79,237,000 |
| Interest-bearing deposits | 60,877,000 | 62,663,000 | 63,764,000 | 69,671,000 |
| Noninterest-bearing deposits | 5,785,000 | 9,359,000 | 9,683,000 | 9,566,000 |
| Equity capital | 21,944,000 | 22,249,000 | 22,549,000 | 22,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 1,984,000 | 3,056,000 | 4,157,000 |
| Interest expense | 191,000 | 371,000 | 506,000 | 604,000 |
| Net interest income | 808,000 | 1,613,000 | 2,550,000 | 3,553,000 |
| Noninterest income | 106,000 | 432,000 | 723,000 | 1,073,000 |
| Noninterest expense | 800,000 | 1,631,000 | 2,446,000 | 3,811,000 |
| Provision for loan losses | 3,000 | 4,000 | 15,000 | 15,000 |
| Pretax income | 111,000 | 410,000 | 812,000 | 800,000 |
| Income tax | 18,000 | 79,000 | 158,000 | 140,000 |
| Net income | 93,000 | 331,000 | 654,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,757,000 | 21,975,000 | 22,298,000 | 22,294,000 |