Call reports 2004
CONNEAUT SAVINGS BANK, THE — 2004
What CONNEAUT SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,926,000 | 80,066,000 | 79,777,000 | 78,874,000 |
| Total loans | 55,060,000 | 55,439,000 | 55,523,000 | 55,426,000 |
| Allowance for loan losses | 421,000 | 426,000 | 427,000 | 427,000 |
| Securities available for sale | 15,624,000 | 16,844,000 | 16,413,000 | 17,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,007,000 | 67,376,000 | 66,861,000 | 65,955,000 |
| Interest-bearing deposits | 66,610,000 | 65,973,000 | 65,267,000 | 64,544,000 |
| Noninterest-bearing deposits | 1,397,000 | 1,403,000 | 1,594,000 | 1,411,000 |
| Equity capital | 8,123,000 | 8,091,000 | 8,300,000 | 8,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,041,000 | 3,037,000 | 4,039,000 |
| Interest expense | 439,000 | 869,000 | 1,303,000 | 1,734,000 |
| Net interest income | 588,000 | 1,172,000 | 1,734,000 | 2,305,000 |
| Noninterest income | 42,000 | 80,000 | 116,000 | 154,000 |
| Noninterest expense | 404,000 | 811,000 | 1,209,000 | 1,612,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 441,000 | 623,000 | 829,000 |
| Income tax | 73,000 | 143,000 | 202,000 | 269,000 |
| Net income | 153,000 | 298,000 | 421,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,985,000 | 8,129,000 | 8,253,000 | 8,392,000 |
| Total capital | 8,406,000 | 8,555,000 | 8,680,000 | 8,819,000 |
| Risk-weighted assets | 36,818,000 | 37,026,000 | 36,897,000 | 36,747,000 |