Call reports 2006
COTTAGE SAVINGS BANK — 2006
What COTTAGE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 37,927,000 | 37,031,000 | 38,405,000 | 39,540,000 |
| Total loans | 32,204,000 | 32,016,000 | 31,701,000 | 32,393,000 |
| 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 | 28,364,000 | 27,397,000 | 28,644,000 | 29,649,000 |
| Interest-bearing deposits | 27,259,000 | 26,452,000 | 27,441,000 | 28,410,000 |
| Noninterest-bearing deposits | 1,105,000 | 945,000 | 1,203,000 | 1,239,000 |
| Equity capital | 6,702,000 | 6,814,000 | 6,911,000 | 7,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,068,000 | 1,642,000 | 2,223,000 |
| Interest expense | 280,000 | 565,000 | 869,000 | 1,192,000 |
| Net interest income | 254,000 | 503,000 | 773,000 | 1,031,000 |
| Noninterest income | 27,000 | 71,000 | 105,000 | 138,000 |
| Noninterest expense | 199,000 | 399,000 | 606,000 | 808,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 175,000 | 272,000 | 361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 194,000 | 291,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,657,000 | 6,769,000 | 6,867,000 | 6,956,000 |
| Total capital | 6,911,000 | 7,023,000 | 7,121,000 | 7,210,000 |
| Risk-weighted assets | 25,297,000 | 25,206,000 | 26,543,000 | 27,609,000 |