Call reports 2014
CONNEAUT SAVINGS BANK, THE — 2014
What CONNEAUT SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,216,000 | 81,968,000 | 80,415,000 | 80,716,000 |
| Total loans | 53,910,000 | 52,930,000 | 52,264,000 | 51,882,000 |
| Allowance for loan losses | 341,000 | 267,000 | 257,000 | 268,000 |
| Securities available for sale | 13,130,000 | 13,917,000 | 14,492,000 | 13,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,018,000 | 66,663,000 | 64,214,000 | 64,744,000 |
| Interest-bearing deposits | 63,764,000 | 63,171,000 | 60,858,000 | 61,185,000 |
| Noninterest-bearing deposits | 3,254,000 | 3,491,000 | 3,356,000 | 3,559,000 |
| Equity capital | 6,697,000 | 6,987,000 | 8,095,000 | 8,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,390,000 | 2,062,000 | 2,738,000 |
| Interest expense | 120,000 | 237,000 | 350,000 | 458,000 |
| Net interest income | 586,000 | 1,153,000 | 1,712,000 | 2,280,000 |
| Noninterest income | 41,000 | 116,000 | 193,000 | 243,000 |
| Noninterest expense | 547,000 | 1,071,000 | 1,608,000 | 2,115,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 30,000 |
| Pretax income | 74,000 | 186,000 | 279,000 | 378,000 |
| Income tax | 25,000 | 63,000 | 96,000 | 130,000 |
| Net income | 49,000 | 123,000 | 183,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,048,000 | 7,123,000 | 8,185,000 | 8,250,000 |
| Total capital | 7,389,000 | 7,390,000 | 8,442,000 | 8,518,000 |
| Risk-weighted assets | 36,990,000 | 38,303,000 | 39,613,000 | 37,571,000 |