Call reports 2003
CONNEAUT SAVINGS BANK, THE — 2003
What CONNEAUT SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,249,000 | 81,481,000 | 82,320,000 | 81,791,000 |
| Total loans | 54,020,000 | 55,077,000 | 55,761,000 | 55,292,000 |
| Allowance for loan losses | 440,000 | 439,000 | 427,000 | 426,000 |
| Securities available for sale | 12,111,000 | 13,536,000 | 17,134,000 | 16,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,716,000 | 68,815,000 | 69,396,000 | 68,947,000 |
| Interest-bearing deposits | 63,117,000 | 67,320,000 | 67,830,000 | 67,524,000 |
| Noninterest-bearing deposits | 1,599,000 | 1,495,000 | 1,566,000 | 1,423,000 |
| Equity capital | 7,536,000 | 7,698,000 | 7,905,000 | 7,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,217,000 | 3,229,000 | 4,295,000 |
| Interest expense | 485,000 | 976,000 | 1,457,000 | 1,922,000 |
| Net interest income | 622,000 | 1,241,000 | 1,772,000 | 2,373,000 |
| Noninterest income | 44,000 | 84,000 | 125,000 | 164,000 |
| Noninterest expense | 362,000 | 745,000 | 1,131,000 | 1,574,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 299,000 | 575,000 | 761,000 | 961,000 |
| Income tax | 96,000 | 184,000 | 244,000 | 308,000 |
| Net income | 203,000 | 391,000 | 517,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,381,000 | 7,569,000 | 7,695,000 | 7,831,000 |
| Total capital | 7,821,000 | 8,008,000 | 8,122,000 | 8,257,000 |
| Risk-weighted assets | 37,640,000 | 38,865,000 | 37,421,000 | 37,044,000 |