Call reports 2008
COMPASS SAVINGS BANK — 2008
What COMPASS 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 | 47,876,000 | 47,830,000 | 48,968,000 | 48,980,000 |
| Total loans | 19,774,000 | 19,735,000 | 20,757,000 | 20,850,000 |
| Allowance for loan losses | 131,000 | 124,000 | 174,000 | 159,000 |
| Securities available for sale | 94,000 | 94,000 | 95,000 | 95,000 |
| Securities held to maturity | 22,583,000 | 24,884,000 | 25,368,000 | 25,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,402,000 | 43,259,000 | 42,621,000 | 42,614,000 |
| Interest-bearing deposits | 41,509,000 | 41,115,000 | 40,702,000 | 40,737,000 |
| Noninterest-bearing deposits | 1,893,000 | 2,144,000 | 1,919,000 | 1,877,000 |
| Equity capital | 4,185,000 | 4,297,000 | 4,336,000 | 3,868,000 |
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 | 610,000 | 1,224,000 | 1,932,000 | 2,586,000 |
| Interest expense | 423,000 | 837,000 | 1,248,000 | 1,655,000 |
| Net interest income | 187,000 | 387,000 | 684,000 | 931,000 |
| Noninterest income | -172,000 | -157,000 | -168,000 | -586,000 |
| Noninterest expense | 191,000 | 382,000 | 585,000 | 870,000 |
| Provision for loan losses | 2,000 | 17,000 | 61,000 | 73,000 |
| Pretax income | -178,000 | -169,000 | -130,000 | -598,000 |
| Income tax | 6,000 | -97,000 | -97,000 | -97,000 |
| Net income | -184,000 | -72,000 | -33,000 | -501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,185,000 | 4,297,000 | 4,336,000 | 3,868,000 |
| Total capital | 4,316,000 | 4,421,000 | 4,510,000 | 4,027,000 |
| Risk-weighted assets | 20,037,000 | 18,533,000 | 18,926,000 | 18,377,000 |