Call reports 2007
COMPASS SAVINGS BANK — 2007
What COMPASS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,509,000 | 49,685,000 | 47,932,000 | 47,712,000 |
| Total loans | 21,313,000 | 20,802,000 | 20,460,000 | 19,683,000 |
| Allowance for loan losses | 160,000 | 163,000 | 166,000 | 132,000 |
| Securities available for sale | 88,000 | 90,000 | 90,000 | 92,000 |
| Securities held to maturity | 22,018,000 | 24,406,000 | 24,721,000 | 23,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,950,000 | 45,028,000 | 43,025,000 | 43,074,000 |
| Interest-bearing deposits | 41,632,000 | 42,698,000 | 40,961,000 | 41,224,000 |
| Noninterest-bearing deposits | 2,318,000 | 2,330,000 | 2,064,000 | 1,850,000 |
| Equity capital | 4,271,000 | 4,318,000 | 4,353,000 | 4,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,300,000 | 1,965,000 | 2,614,000 |
| Interest expense | 386,000 | 810,000 | 1,234,000 | 1,660,000 |
| Net interest income | 240,000 | 490,000 | 731,000 | 954,000 |
| Noninterest income | 16,000 | 31,000 | 46,000 | 65,000 |
| Noninterest expense | 188,000 | 372,000 | 551,000 | 735,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 13,000 |
| Pretax income | 65,000 | 143,000 | 217,000 | 271,000 |
| Income tax | 32,000 | 63,000 | 102,000 | 139,000 |
| Net income | 33,000 | 80,000 | 115,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,271,000 | 4,318,000 | 4,353,000 | 4,370,000 |
| Total capital | 4,431,000 | 4,481,000 | 4,519,000 | 4,502,000 |
| Risk-weighted assets | 17,979,000 | 18,119,000 | 18,043,000 | 17,777,000 |