Call reports 2019
CLARKSON BANK — 2019
What CLARKSON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 55,794,000 | 55,863,000 | 57,371,000 | 59,181,000 |
| Total loans | 34,240,000 | 33,635,000 | 33,896,000 | 35,664,000 |
| Allowance for loan losses | 771,000 | 897,000 | 897,000 | 897,000 |
| Securities available for sale | 18,413,000 | 20,494,000 | 21,101,000 | 20,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,689,000 | 44,493,000 | 44,355,000 | 44,085,000 |
| Interest-bearing deposits | 35,700,000 | 35,886,000 | 35,119,000 | 36,182,000 |
| Noninterest-bearing deposits | 8,989,000 | 8,607,000 | 9,236,000 | 7,903,000 |
| Equity capital | 7,704,000 | 7,953,000 | 8,021,000 | 8,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,253,000 | 1,874,000 | 2,490,000 |
| Interest expense | 109,000 | 231,000 | 355,000 | 483,000 |
| Net interest income | 470,000 | 1,022,000 | 1,519,000 | 2,007,000 |
| Noninterest income | 23,000 | 51,000 | 79,000 | 100,000 |
| Noninterest expense | 263,000 | 531,000 | 780,000 | 1,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 241,000 | 563,000 | 839,000 | 1,015,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 20,000 |
| Net income | 236,000 | 552,000 | 822,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,809,000 | 7,960,000 | 8,010,000 | 7,996,000 |
| Total capital | 8,337,000 | 8,509,000 | 8,549,000 | 8,559,000 |
| Risk-weighted assets | 42,027,000 | 43,610,000 | 42,784,000 | 44,785,000 |