Call reports 2002
COTTAGE SAVINGS BANK — 2002
What COTTAGE SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,449,000 | 21,376,000 | 26,094,000 | 30,033,000 |
| Total loans | 11,807,000 | 10,581,000 | 13,082,000 | 14,697,000 |
| Allowance for loan losses | 127,000 | 133,000 | 149,000 | 164,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,089,000 | 15,998,000 | 20,476,000 | 24,198,000 |
| Interest-bearing deposits | 14,469,000 | 15,557,000 | 19,246,000 | 22,424,000 |
| Noninterest-bearing deposits | 1,620,000 | 441,000 | 1,230,000 | 1,774,000 |
| Equity capital | 5,265,000 | 5,322,000 | 5,487,000 | 5,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 238,000 | 487,000 | 754,000 | 1,022,000 |
| Interest expense | 111,000 | 232,000 | 363,000 | 514,000 |
| Net interest income | 127,000 | 255,000 | 391,000 | 508,000 |
| Noninterest income | 95,000 | 227,000 | 530,000 | 804,000 |
| Noninterest expense | 181,000 | 378,000 | 615,000 | 850,000 |
| Provision for loan losses | 9,000 | 15,000 | 31,000 | 46,000 |
| Pretax income | 32,000 | 89,000 | 275,000 | 416,000 |
| Income tax | 0 | 0 | 21,000 | 71,000 |
| Net income | 32,000 | 89,000 | 254,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,240,000 | 5,288,000 | 5,405,000 | 5,533,000 |
| Total capital | 5,367,000 | 5,418,000 | 5,554,000 | 5,697,000 |
| Risk-weighted assets | 10,537,000 | 10,413,000 | 12,595,000 | 14,519,000 |