Call reports 2012
COTTAGE SAVINGS BANK — 2012
What COTTAGE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 42,215,000 | 40,948,000 | 41,355,000 |
| Total loans | 26,882,000 | 27,260,000 | 26,227,000 |
| Allowance for loan losses | 240,000 | 240,000 | 240,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 30,803,000 | 29,615,000 | 29,909,000 |
| Interest-bearing deposits | 30,123,000 | 29,155,000 | 28,521,000 |
| Noninterest-bearing deposits | 680,000 | 460,000 | 1,388,000 |
| Equity capital | 7,470,000 | 7,483,000 | 7,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 331,000 | 653,000 | 966,000 |
| Interest expense | 118,000 | 232,000 | 342,000 |
| Net interest income | 213,000 | 421,000 | 624,000 |
| Noninterest income | 79,000 | 178,000 | 377,000 |
| Noninterest expense | 238,000 | 532,000 | 833,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 54,000 | 67,000 | 168,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 54,000 | 67,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 7,442,000 | 7,456,000 | 7,558,000 |
| Total capital | 7,682,000 | 7,696,000 | 7,798,000 |
| Risk-weighted assets | 28,393,000 | 28,026,000 | 27,054,000 |