Call reports 2021
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2021
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 110,385,000 | 113,416,000 | 112,599,000 | 119,209,000 |
| Total loans | 84,278,000 | 84,388,000 | 87,882,000 | 98,334,000 |
| Allowance for loan losses | 717,000 | 757,000 | 787,000 | 794,000 |
| Securities available for sale | 3,801,000 | 4,881,000 | 8,258,000 | 8,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,313,000 | 88,802,000 | 87,850,000 | 93,992,000 |
| Interest-bearing deposits | 75,254,000 | 77,806,000 | 75,219,000 | 82,627,000 |
| Noninterest-bearing deposits | 11,059,000 | 10,996,000 | 12,631,000 | 11,365,000 |
| Equity capital | 22,886,000 | 23,259,000 | 23,531,000 | 23,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,236,000 | 3,322,000 | 4,386,000 |
| Interest expense | 54,000 | 97,000 | 138,000 | 174,000 |
| Net interest income | 1,073,000 | 2,139,000 | 3,184,000 | 4,212,000 |
| Noninterest income | 206,000 | 387,000 | 598,000 | 778,000 |
| Noninterest expense | 827,000 | 1,708,000 | 2,574,000 | 3,454,000 |
| Provision for loan losses | 0 | -40,000 | -54,000 | -51,000 |
| Pretax income | 452,000 | 858,000 | 1,262,000 | 1,587,000 |
| Income tax | 95,000 | 180,000 | 265,000 | 305,000 |
| Net income | 357,000 | 678,000 | 997,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,661,000 | 22,973,000 | 23,218,000 | 23,540,000 |