Call reports 2015
CLARKSON BANK — 2015
What CLARKSON BANK 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 | 60,918,000 | 58,832,000 | 56,014,000 | 56,078,000 |
| Total loans | 28,584,000 | 27,820,000 | 29,203,000 | 29,313,000 |
| Allowance for loan losses | 900,000 | 901,000 | 902,000 | 902,000 |
| Securities available for sale | 31,660,000 | 30,468,000 | 26,068,000 | 25,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,175,000 | 49,322,000 | 45,884,000 | 46,333,000 |
| Interest-bearing deposits | 38,578,000 | 39,039,000 | 37,389,000 | 37,397,000 |
| Noninterest-bearing deposits | 11,597,000 | 10,283,000 | 8,495,000 | 8,936,000 |
| Equity capital | 6,749,000 | 6,389,000 | 6,731,000 | 6,690,000 |
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 | 505,000 | 1,008,000 | 1,518,000 | 1,999,000 |
| Interest expense | 83,000 | 165,000 | 248,000 | 326,000 |
| Net interest income | 422,000 | 843,000 | 1,270,000 | 1,673,000 |
| Noninterest income | 28,000 | 58,000 | 84,000 | 109,000 |
| Noninterest expense | 256,000 | 520,000 | 782,000 | 1,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 360,000 | 571,000 | 749,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 163,000 | 348,000 | 553,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,822,000 | 6,893,000 | 6,969,000 | 7,003,000 |
| Total capital | 7,302,000 | 7,361,000 | 7,475,000 | 7,502,000 |
| Risk-weighted assets | 38,037,000 | 37,007,000 | 40,121,000 | 39,555,000 |