Call reports 2023
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2023
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 135,384,000 | 130,637,000 | 135,630,000 | 136,255,000 |
| Total loans | 108,333,000 | 109,139,000 | 114,164,000 | 115,463,000 |
| Allowance for loan losses | 910,000 | 917,000 | 925,000 | 1,161,000 |
| Securities available for sale | 7,171,000 | 7,145,000 | 6,192,000 | 6,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,234,000 | 101,301,000 | 104,252,000 | 103,987,000 |
| Interest-bearing deposits | 94,483,000 | 91,390,000 | 93,649,000 | 93,338,000 |
| Noninterest-bearing deposits | 11,751,000 | 9,911,000 | 10,603,000 | 10,649,000 |
| Equity capital | 24,116,000 | 24,384,000 | 24,297,000 | 25,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,984,000 | 4,577,000 | 6,314,000 |
| Interest expense | 330,000 | 765,000 | 1,293,000 | 1,915,000 |
| Net interest income | 1,099,000 | 2,219,000 | 3,284,000 | 4,399,000 |
| Noninterest income | 80,000 | 159,000 | 281,000 | 366,000 |
| Noninterest expense | 803,000 | 1,652,000 | 2,501,000 | 3,315,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 373,000 | 719,000 | 1,049,000 | 1,432,000 |
| Income tax | 78,000 | 150,000 | 220,000 | 299,000 |
| Net income | 295,000 | 569,000 | 829,000 | 1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,977,000 | 25,239,000 | 25,492,000 | 25,781,000 |