Call reports 2008
COTTAGE SAVINGS BANK — 2008
What COTTAGE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 39,605,000 | 39,406,000 | 41,424,000 | 39,869,000 |
| Total loans | 29,983,000 | 32,252,000 | 31,634,000 | 32,200,000 |
| Allowance for loan losses | 240,000 | 240,000 | 240,000 | 240,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,769,000 | 26,580,000 | 27,636,000 | 26,044,000 |
| Interest-bearing deposits | 28,426,000 | 786,000 | 27,176,000 | 25,402,000 |
| Noninterest-bearing deposits | 1,343,000 | 25,794,000 | 460,000 | 642,000 |
| Equity capital | 6,967,000 | 6,935,000 | 6,920,000 | 6,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,040,000 | 1,546,000 | 2,045,000 |
| Interest expense | 336,000 | 626,000 | 915,000 | 1,200,000 |
| Net interest income | 200,000 | 414,000 | 631,000 | 845,000 |
| Noninterest income | 38,000 | 57,000 | 83,000 | 125,000 |
| Noninterest expense | 245,000 | 510,000 | 752,000 | 990,000 |
| Provision for loan losses | -10,000 | -10,000 | -10,000 | -10,000 |
| Pretax income | 3,000 | -29,000 | -28,000 | -10,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | -29,000 | -28,000 | -10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,587,000 | 6,935,000 | 6,885,000 | 6,904,000 |
| Total capital | 6,827,000 | 7,175,000 | 7,125,000 | 7,144,000 |
| Risk-weighted assets | 30,312,000 | 31,641,000 | 31,717,000 | 31,611,000 |