Call reports 2016
CONNEAUT SAVINGS BANK, THE — 2016
What CONNEAUT SAVINGS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 78,320,000 | 77,799,000 | 77,176,000 | 75,985,000 |
| Total loans | 50,736,000 | 49,650,000 | 48,954,000 | 48,934,000 |
| Allowance for loan losses | 321,000 | 323,000 | 311,000 | 306,000 |
| Securities available for sale | 8,897,000 | 13,374,000 | 13,931,000 | 14,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,408,000 | 62,999,000 | 62,501,000 | 61,922,000 |
| Interest-bearing deposits | 59,463,000 | 58,621,000 | 57,994,000 | 57,462,000 |
| Noninterest-bearing deposits | 3,945,000 | 4,378,000 | 4,507,000 | 4,460,000 |
| Equity capital | 8,461,000 | 8,610,000 | 8,664,000 | 8,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 640,000 | 1,284,000 | 1,917,000 | 2,536,000 |
| Interest expense | 81,000 | 155,000 | 223,000 | 284,000 |
| Net interest income | 559,000 | 1,129,000 | 1,694,000 | 2,252,000 |
| Noninterest income | 122,000 | 205,000 | 269,000 | 332,000 |
| Noninterest expense | 534,000 | 1,082,000 | 1,604,000 | 2,204,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 72,000 | 177,000 | 284,000 | 305,000 |
| Income tax | 25,000 | 27,000 | 55,000 | 55,000 |
| Net income | 47,000 | 150,000 | 229,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,423,000 | 8,524,000 | 8,604,000 | 8,624,000 |
| Total capital | 8,744,000 | 8,847,000 | 8,915,000 | 8,930,000 |
| Risk-weighted assets | 35,615,000 | 35,093,000 | 34,983,000 | 35,306,000 |