Call reports 2005
COTTAGE SAVINGS BANK — 2005
What COTTAGE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,860,000 | 33,375,000 | 36,809,000 | 38,588,000 |
| Total loans | 28,767,000 | 29,278,000 | 32,136,000 | 32,732,000 |
| 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 | 26,318,000 | 25,812,000 | 28,002,000 | 28,926,000 |
| Interest-bearing deposits | 25,347,000 | 25,550,000 | 26,592,000 | 27,361,000 |
| Noninterest-bearing deposits | 971,000 | 262,000 | 1,410,000 | 1,565,000 |
| Equity capital | 6,204,000 | 6,421,000 | 6,685,000 | 6,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 391,000 | 827,000 | 1,287,000 | 1,804,000 |
| Interest expense | 155,000 | 330,000 | 527,000 | 766,000 |
| Net interest income | 237,000 | 497,000 | 760,000 | 1,038,000 |
| Noninterest income | 34,000 | 68,000 | 103,000 | 136,000 |
| Noninterest expense | 213,000 | 426,000 | 634,000 | 855,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 58,000 | 139,000 | 229,000 | 319,000 |
| Income tax | 14,000 | 14,000 | -139,000 | -139,000 |
| Net income | 44,000 | 454,000 | 713,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,156,000 | 6,373,000 | 6,639,000 | 6,730,000 |
| Total capital | 6,410,000 | 6,627,000 | 6,893,000 | 6,984,000 |
| Risk-weighted assets | 22,309,000 | 22,436,000 | 24,413,000 | 24,615,000 |