Call reports 2022
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2022
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 122,091,000 | 124,360,000 | 127,680,000 | 128,699,000 |
| Total loans | 97,066,000 | 98,419,000 | 100,614,000 | 106,078,000 |
| Allowance for loan losses | 797,000 | 823,000 | 854,000 | 903,000 |
| Securities available for sale | 7,387,000 | 6,656,000 | 6,336,000 | 6,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,520,000 | 100,159,000 | 103,373,000 | 102,814,000 |
| Interest-bearing deposits | 85,275,000 | 88,922,000 | 90,895,000 | 91,508,000 |
| Noninterest-bearing deposits | 12,245,000 | 11,237,000 | 12,478,000 | 11,306,000 |
| Equity capital | 23,445,000 | 23,280,000 | 23,260,000 | 23,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,263,000 | 3,517,000 | 4,889,000 |
| Interest expense | 46,000 | 101,000 | 223,000 | 404,000 |
| Net interest income | 1,059,000 | 2,162,000 | 3,294,000 | 4,485,000 |
| Noninterest income | 78,000 | 216,000 | 305,000 | 364,000 |
| Noninterest expense | 780,000 | 1,600,000 | 2,444,000 | 3,297,000 |
| Provision for loan losses | 0 | 2,000 | 5,000 | 49,000 |
| Pretax income | 357,000 | 776,000 | 1,150,000 | 1,503,000 |
| Income tax | 69,000 | 153,000 | 231,000 | 311,000 |
| Net income | 288,000 | 623,000 | 919,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,841,000 | 24,107,000 | 24,423,000 | 24,692,000 |