Call reports 2009
COTTAGE SAVINGS BANK — 2009
What COTTAGE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 44,314,000 | 45,107,000 | 43,544,000 | 41,508,000 |
| Total loans | 31,351,000 | 31,610,000 | 30,584,000 | 30,822,000 |
| Allowance for loan losses | 240,000 | 240,000 | 240,000 | 240,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 1,930,000 | 2,865,000 | 2,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,616,000 | 30,365,000 | 29,526,000 | 28,713,000 |
| Interest-bearing deposits | 28,755,000 | 29,603,000 | 28,874,000 | 27,997,000 |
| Noninterest-bearing deposits | 861,000 | 762,000 | 652,000 | 716,000 |
| Equity capital | 6,804,000 | 6,843,000 | 6,860,000 | 6,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 921,000 | 1,393,000 | 1,818,000 |
| Interest expense | 278,000 | 551,000 | 799,000 | 1,001,000 |
| Net interest income | 184,000 | 370,000 | 594,000 | 817,000 |
| Noninterest income | 129,000 | 243,000 | 278,000 | 334,000 |
| Noninterest expense | 248,000 | 509,000 | 751,000 | 997,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 104,000 | 121,000 | 154,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 65,000 | 104,000 | 121,000 | 154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,804,000 | 6,843,000 | 6,860,000 | 6,893,000 |
| Total capital | 7,044,000 | 7,083,000 | 7,100,000 | 7,133,000 |
| Risk-weighted assets | 32,946,000 | 34,101,000 | 33,946,000 | 33,676,000 |