Call reports 2011
CONNEAUT SAVINGS BANK, THE — 2011
What CONNEAUT SAVINGS BANK, THE 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 | 84,154,000 | 83,853,000 | 83,941,000 | 84,426,000 |
| Total loans | 57,512,000 | 56,681,000 | 56,890,000 | 56,421,000 |
| Allowance for loan losses | 288,000 | 267,000 | 292,000 | 263,000 |
| Securities available for sale | 10,865,000 | 12,891,000 | 13,451,000 | 13,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,479,000 | 71,224,000 | 71,308,000 | 71,855,000 |
| Interest-bearing deposits | 68,914,000 | 68,570,000 | 68,394,000 | 68,566,000 |
| Noninterest-bearing deposits | 2,565,000 | 2,653,000 | 2,913,000 | 3,290,000 |
| Equity capital | 6,836,000 | 6,940,000 | 7,084,000 | 7,162,000 |
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 | 867,000 | 1,728,000 | 2,587,000 | 3,438,000 |
| Interest expense | 238,000 | 470,000 | 698,000 | 914,000 |
| Net interest income | 629,000 | 1,258,000 | 1,889,000 | 2,524,000 |
| Noninterest income | 42,000 | 91,000 | 159,000 | 207,000 |
| Noninterest expense | 578,000 | 1,145,000 | 1,665,000 | 2,229,000 |
| Provision for loan losses | 30,000 | 60,000 | 104,000 | 134,000 |
| Pretax income | 63,000 | 144,000 | 279,000 | 368,000 |
| Income tax | 21,000 | 45,000 | 90,000 | 116,000 |
| Net income | 42,000 | 99,000 | 189,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,021,000 | 7,078,000 | 7,168,000 | 7,231,000 |
| Total capital | 7,309,000 | 7,345,000 | 7,460,000 | 7,494,000 |
| Risk-weighted assets | 40,921,000 | 39,426,000 | 39,210,000 | 39,233,000 |