Call reports 2010
COTTAGE SAVINGS BANK — 2010
What COTTAGE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 40,811,000 | 41,500,000 | 42,465,000 | 41,745,000 |
| Total loans | 30,291,000 | 30,572,000 | 30,376,000 | 30,221,000 |
| Allowance for loan losses | 240,000 | 240,000 | 240,000 | 240,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,865,000 | 1,000,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,062,000 | 26,685,000 | 28,481,000 | 27,578,000 |
| Interest-bearing deposits | 27,529,000 | 26,354,000 | 26,960,000 | 26,324,000 |
| Noninterest-bearing deposits | 533,000 | 331,000 | 1,521,000 | 1,254,000 |
| Equity capital | 6,860,000 | 6,925,000 | 7,070,000 | 7,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 416,000 | 843,000 | 1,257,000 | 1,649,000 |
| Interest expense | 176,000 | 345,000 | 497,000 | 643,000 |
| Net interest income | 240,000 | 498,000 | 760,000 | 1,006,000 |
| Noninterest income | 56,000 | 121,000 | 270,000 | 417,000 |
| Noninterest expense | 265,000 | 524,000 | 790,000 | 1,013,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 95,000 | 240,000 | 410,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 95,000 | 240,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,860,000 | 6,905,000 | 7,051,000 | 7,221,000 |
| Total capital | 7,100,000 | 7,145,000 | 7,291,000 | 7,461,000 |
| Risk-weighted assets | 33,126,000 | 31,674,000 | 31,549,000 | 31,337,000 |