Call reports 2016
CLARKSON BANK — 2016
What CLARKSON BANK 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 | 57,659,000 | 56,256,000 | 55,108,000 | 58,644,000 |
| Total loans | 27,564,000 | 26,120,000 | 26,895,000 | 29,835,000 |
| Allowance for loan losses | 907,000 | 907,000 | 907,000 | 902,000 |
| Securities available for sale | 27,304,000 | 26,195,000 | 27,222,000 | 27,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,701,000 | 46,086,000 | 45,015,000 | 43,579,000 |
| Interest-bearing deposits | 38,543,000 | 38,003,000 | 37,369,000 | 36,124,000 |
| Noninterest-bearing deposits | 9,158,000 | 8,083,000 | 7,646,000 | 7,455,000 |
| Equity capital | 7,061,000 | 7,262,000 | 7,162,000 | 6,863,000 |
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 | 499,000 | 986,000 | 1,431,000 | 1,865,000 |
| Interest expense | 77,000 | 153,000 | 229,000 | 307,000 |
| Net interest income | 422,000 | 833,000 | 1,202,000 | 1,558,000 |
| Noninterest income | 26,000 | 56,000 | 85,000 | 109,000 |
| Noninterest expense | 255,000 | 512,000 | 782,000 | 1,008,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 395,000 | 523,000 | 677,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 186,000 | 383,000 | 505,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,069,000 | 7,136,000 | 7,121,000 | 7,186,000 |
| Total capital | 7,543,000 | 7,599,000 | 7,602,000 | 7,696,000 |
| Risk-weighted assets | 37,552,000 | 36,604,000 | 38,081,000 | 40,487,000 |