Call reports 2004
COTTAGE SAVINGS BANK — 2004
What COTTAGE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,790,000 | 33,249,000 | 31,363,000 | 32,079,000 |
| Total loans | 21,799,000 | 25,501,000 | 26,075,000 | 26,966,000 |
| Allowance for loan losses | 254,000 | 254,000 | 254,000 | 254,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,505,000 | 27,128,000 | 25,160,000 | 25,761,000 |
| Interest-bearing deposits | 23,343,000 | 25,965,000 | 24,477,000 | 25,012,000 |
| Noninterest-bearing deposits | 1,162,000 | 1,163,000 | 683,000 | 749,000 |
| Equity capital | 6,002,000 | 6,019,000 | 6,106,000 | 6,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 653,000 | 1,000,000 | 1,384,000 |
| Interest expense | 131,000 | 257,000 | 390,000 | 536,000 |
| Net interest income | 209,000 | 396,000 | 610,000 | 848,000 |
| Noninterest income | 61,000 | 90,000 | 212,000 | 258,000 |
| Noninterest expense | 193,000 | 383,000 | 595,000 | 796,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 74,000 | 100,000 | 224,000 | 307,000 |
| Income tax | 25,000 | 34,000 | 71,000 | 100,000 |
| Net income | 49,000 | 66,000 | 153,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,958,000 | 5,978,000 | 6,058,000 | 6,112,000 |
| Total capital | 6,178,000 | 6,222,000 | 6,303,000 | 6,365,000 |
| Risk-weighted assets | 17,574,000 | 19,484,000 | 19,611,000 | 20,274,000 |