Call reports 2012
CLINTON NATIONAL BANK, THE — 2012
What CLINTON NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 396,367,000 | 375,492,000 | 386,129,000 | 378,202,000 |
| Total loans | 182,577,000 | 187,621,000 | 182,157,000 | 173,978,000 |
| Allowance for loan losses | 1,912,000 | 2,043,000 | 2,082,000 | 2,050,000 |
| Securities available for sale | 159,107,000 | 161,190,000 | 154,949,000 | 162,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,936,000 | 308,957,000 | 315,224,000 | 302,607,000 |
| Interest-bearing deposits | 294,098,000 | 272,091,000 | 269,349,000 | 259,727,000 |
| Noninterest-bearing deposits | 36,838,000 | 36,866,000 | 45,875,000 | 42,880,000 |
| Equity capital | 49,367,000 | 51,658,000 | 52,854,000 | 52,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,592,000 | 7,211,000 | 10,668,000 | 13,980,000 |
| Interest expense | 641,000 | 1,266,000 | 1,831,000 | 2,343,000 |
| Net interest income | 2,951,000 | 5,945,000 | 8,837,000 | 11,637,000 |
| Noninterest income | 610,000 | 1,212,000 | 1,863,000 | 2,599,000 |
| Noninterest expense | 2,685,000 | 5,414,000 | 8,185,000 | 10,924,000 |
| Provision for loan losses | 150,000 | 275,000 | 320,000 | 335,000 |
| Pretax income | 790,000 | 1,532,000 | 2,259,000 | 3,041,000 |
| Income tax | 33,000 | 66,000 | 98,000 | 134,000 |
| Net income | 757,000 | 1,466,000 | 2,161,000 | 2,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,610,000 | 40,157,000 | 40,810,000 | 41,583,000 |
| Total capital | 41,522,000 | 42,200,000 | 42,892,000 | 43,633,000 |
| Risk-weighted assets | 212,965,000 | 219,397,000 | 215,224,000 | 209,624,000 |