Call reports 2015
CONNEAUT SAVINGS BANK, THE — 2015
What CONNEAUT SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 81,005,000 | 81,026,000 | 80,514,000 | 78,721,000 |
| Total loans | 51,527,000 | 51,459,000 | 51,713,000 | 50,905,000 |
| Allowance for loan losses | 243,000 | 255,000 | 187,000 | 246,000 |
| Securities available for sale | 11,629,000 | 12,084,000 | 9,401,000 | 8,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,128,000 | 65,288,000 | 64,922,000 | 63,558,000 |
| Interest-bearing deposits | 61,296,000 | 61,079,000 | 60,571,000 | 59,327,000 |
| Noninterest-bearing deposits | 3,832,000 | 4,209,000 | 4,351,000 | 4,231,000 |
| Equity capital | 8,338,000 | 8,441,000 | 8,536,000 | 8,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,347,000 | 2,023,000 | 2,700,000 |
| Interest expense | 106,000 | 208,000 | 306,000 | 396,000 |
| Net interest income | 563,000 | 1,139,000 | 1,717,000 | 2,304,000 |
| Noninterest income | 45,000 | 101,000 | 154,000 | 75,000 |
| Noninterest expense | 508,000 | 1,008,000 | 1,555,000 | 2,100,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 97,000 |
| Pretax income | 88,000 | 208,000 | 280,000 | 182,000 |
| Income tax | 28,000 | 67,000 | 91,000 | 58,000 |
| Net income | 60,000 | 141,000 | 189,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,310,000 | 8,392,000 | 8,438,000 | 8,374,000 |
| Total capital | 8,553,000 | 8,647,000 | 8,625,000 | 8,620,000 |
| Risk-weighted assets | 36,304,000 | 36,405,000 | 36,330,000 | 35,495,000 |