Call reports 2005
CONNEAUT SAVINGS BANK, THE — 2005
What CONNEAUT SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,426,000 | 76,405,000 | 75,485,000 | 73,649,000 |
| Total loans | 55,665,000 | 56,067,000 | 55,729,000 | 55,774,000 |
| Allowance for loan losses | 427,000 | 427,000 | 427,000 | 364,000 |
| Securities available for sale | 15,055,000 | 15,911,000 | 14,579,000 | 12,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,540,000 | 62,854,000 | 61,356,000 | 60,662,000 |
| Interest-bearing deposits | 62,255,000 | 61,434,000 | 59,874,000 | 58,906,000 |
| Noninterest-bearing deposits | 1,285,000 | 1,420,000 | 1,482,000 | 1,756,000 |
| Equity capital | 8,440,000 | 8,626,000 | 8,647,000 | 8,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,953,000 | 2,920,000 | 3,897,000 |
| Interest expense | 404,000 | 810,000 | 1,232,000 | 1,655,000 |
| Net interest income | 566,000 | 1,143,000 | 1,688,000 | 2,242,000 |
| Noninterest income | 37,000 | 73,000 | 111,000 | 147,000 |
| Noninterest expense | 427,000 | 850,000 | 1,303,000 | 1,739,000 |
| Provision for loan losses | 0 | 0 | 0 | -37,000 |
| Pretax income | 179,000 | 369,000 | 499,000 | 645,000 |
| Income tax | 58,000 | 121,000 | 166,000 | 215,000 |
| Net income | 121,000 | 248,000 | 333,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,512,000 | 8,639,000 | 8,726,000 | 8,822,000 |
| Total capital | 8,939,000 | 9,066,000 | 9,153,000 | 9,186,000 |
| Risk-weighted assets | 36,001,000 | 36,533,000 | 36,590,000 | 36,232,000 |