Call reports 2011
COTTAGE SAVINGS BANK — 2011
What COTTAGE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 41,311,000 | 40,742,000 | 40,857,000 | 42,109,000 |
| Total loans | 29,947,000 | 29,512,000 | 28,330,000 | 27,844,000 |
| 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 | 28,308,000 | 28,735,000 | 29,698,000 | 30,725,000 |
| Interest-bearing deposits | 27,584,000 | 27,906,000 | 28,486,000 | 29,117,000 |
| Noninterest-bearing deposits | 724,000 | 829,000 | 1,212,000 | 1,608,000 |
| Equity capital | 7,110,000 | 7,141,000 | 7,264,000 | 7,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 784,000 | 1,158,000 | 1,486,000 |
| Interest expense | 127,000 | 258,000 | 376,000 | 497,000 |
| Net interest income | 267,000 | 526,000 | 782,000 | 989,000 |
| Noninterest income | 29,000 | 51,000 | 200,000 | 428,000 |
| Noninterest expense | 252,000 | 502,000 | 784,000 | 1,067,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 75,000 | 198,000 | 350,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 44,000 | 75,000 | 198,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,091,000 | 7,122,000 | 7,234,000 | 7,386,000 |
| Total capital | 7,331,000 | 7,362,000 | 7,474,000 | 7,626,000 |
| Risk-weighted assets | 31,035,000 | 30,480,000 | 29,042,000 | 28,849,000 |