Call reports 2008
COLLEGE SAVINGS BANK — 2008
What COLLEGE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 487,358,000 | 608,225,000 | 640,256,000 | 620,870,000 |
| Total loans | 205,287,000 | 208,800,000 | 208,387,000 | 207,230,000 |
| Allowance for loan losses | 23,000 | 30,000 | 38,000 | 47,000 |
| Securities available for sale | 253,016,000 | 382,207,000 | 410,191,000 | 389,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,717,000 | 264,249,000 | 245,989,000 | 251,148,000 |
| Interest-bearing deposits | 244,717,000 | 264,249,000 | 245,989,000 | 251,148,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 37,433,000 | 37,646,000 | 32,480,000 | 28,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,691,000 | 11,940,000 | 18,536,000 | 24,623,000 |
| Interest expense | 5,487,000 | 10,134,000 | 15,401,000 | 20,372,000 |
| Net interest income | 204,000 | 1,806,000 | 3,135,000 | 4,251,000 |
| Noninterest income | 45,000 | 75,000 | 107,000 | 234,000 |
| Noninterest expense | 937,000 | 1,891,000 | 2,680,000 | 5,940,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 32,000 |
| Pretax income | -664,000 | 7,000 | -2,956,000 | -4,966,000 |
| Income tax | -272,000 | 2,000 | -1,208,000 | -2,031,000 |
| Net income | -392,000 | 5,000 | -1,748,000 | -2,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,587,000 | 37,098,000 | 35,051,000 | 34,245,000 |
| Total capital | 36,610,000 | 37,128,000 | 35,089,000 | 34,292,000 |
| Risk-weighted assets | 128,633,000 | 159,837,000 | 167,620,000 | 165,179,000 |
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