Call reports 2017
CLARKSON BANK — 2017
What CLARKSON BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 58,299,000 | 57,179,000 | 57,038,000 | 57,111,000 |
| Total loans | 30,045,000 | 30,926,000 | 31,758,000 | 33,297,000 |
| Allowance for loan losses | 906,000 | 906,000 | 781,000 | 781,000 |
| Securities available for sale | 27,647,000 | 23,315,000 | 23,250,000 | 21,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,029,000 | 46,985,000 | 46,791,000 | 43,898,000 |
| Interest-bearing deposits | 38,553,000 | 37,095,000 | 37,020,000 | 35,413,000 |
| Noninterest-bearing deposits | 9,476,000 | 9,890,000 | 9,771,000 | 8,485,000 |
| Equity capital | 7,090,000 | 7,297,000 | 7,327,000 | 7,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 471,000 | 973,000 | 1,476,000 | 1,972,000 |
| Interest expense | 75,000 | 154,000 | 235,000 | 320,000 |
| Net interest income | 396,000 | 819,000 | 1,241,000 | 1,652,000 |
| Noninterest income | 26,000 | 49,000 | 64,000 | 94,000 |
| Noninterest expense | 252,000 | 499,000 | 741,000 | 990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 399,000 | 594,000 | 786,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 22,000 |
| Net income | 164,000 | 388,000 | 577,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,245,000 | 7,356,000 | 7,390,000 | 7,447,000 |
| Total capital | 7,750,000 | 7,869,000 | 7,911,000 | 7,990,000 |
| Risk-weighted assets | 40,034,000 | 40,648,000 | 41,476,000 | 43,241,000 |