Call reports 2007
COTTAGE SAVINGS BANK — 2007
What COTTAGE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 39,763,000 | 42,070,000 | 39,547,000 | 40,659,000 |
| Total loans | 30,853,000 | 31,220,000 | 31,524,000 | 28,777,000 |
| Allowance for loan losses | 254,000 | 254,000 | 254,000 | 250,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,003,000 | 32,194,000 | 29,616,000 | 30,701,000 |
| Interest-bearing deposits | 29,518,000 | 29,435,000 | 28,890,000 | 29,835,000 |
| Noninterest-bearing deposits | 485,000 | 2,759,000 | 726,000 | 866,000 |
| Equity capital | 6,925,000 | 6,991,000 | 7,049,000 | 7,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,225,000 | 1,852,000 | 2,464,000 |
| Interest expense | 340,000 | 660,000 | 1,031,000 | 1,405,000 |
| Net interest income | 268,000 | 565,000 | 821,000 | 1,059,000 |
| Noninterest income | 30,000 | 47,000 | 75,000 | 92,000 |
| Noninterest expense | 213,000 | 461,000 | 687,000 | 937,000 |
| Provision for loan losses | 0 | 0 | 0 | -4,000 |
| Pretax income | 85,000 | 151,000 | 209,000 | 218,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 151,000 | 209,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,882,000 | 6,973,000 | 6,638,000 | 6,672,000 |
| Total capital | 7,136,000 | 7,227,000 | 6,892,000 | 6,922,000 |
| Risk-weighted assets | 27,362,000 | 30,634,000 | 30,103,000 | 30,316,000 |