Call reports 2018
CLARKSON BANK — 2018
What CLARKSON BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 56,857,000 | 53,931,000 | 54,428,000 | 55,901,000 |
| Total loans | 33,272,000 | 30,982,000 | 30,941,000 | 33,134,000 |
| Allowance for loan losses | 765,000 | 768,000 | 768,000 | 768,000 |
| Securities available for sale | 21,709,000 | 22,163,000 | 19,978,000 | 19,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,715,000 | 43,704,000 | 45,678,000 | 44,767,000 |
| Interest-bearing deposits | 36,609,000 | 35,525,000 | 37,250,000 | 35,958,000 |
| Noninterest-bearing deposits | 10,106,000 | 8,179,000 | 8,428,000 | 8,809,000 |
| Equity capital | 7,259,000 | 7,322,000 | 7,315,000 | 7,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 548,000 | 1,072,000 | 1,593,000 | 2,173,000 |
| Interest expense | 90,000 | 185,000 | 281,000 | 378,000 |
| Net interest income | 458,000 | 887,000 | 1,312,000 | 1,795,000 |
| Noninterest income | 36,000 | 65,000 | 107,000 | 116,000 |
| Noninterest expense | 250,000 | 511,000 | 762,000 | 1,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 244,000 | 442,000 | 658,000 | 861,000 |
| Income tax | 6,000 | 11,000 | 16,000 | 22,000 |
| Net income | 238,000 | 431,000 | 642,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,556,000 | 7,584,000 | 7,659,000 | 7,711,000 |
| Total capital | 8,093,000 | 8,095,000 | 8,161,000 | 8,242,000 |
| Risk-weighted assets | 42,783,000 | 40,700,000 | 39,969,000 | 42,266,000 |