Call reports 2022
CLARKSON BANK — 2022
What CLARKSON BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 68,967,000 | 72,984,000 | 67,775,000 | 69,372,000 |
| Total loans | 25,707,000 | 23,589,000 | 25,139,000 | 28,367,000 |
| Allowance for loan losses | 889,000 | 889,000 | 889,000 | 766,000 |
| Securities available for sale | 40,975,000 | 44,472,000 | 37,117,000 | 35,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,151,000 | 60,419,000 | 55,488,000 | 57,642,000 |
| Interest-bearing deposits | 44,311,000 | 44,553,000 | 41,339,000 | 45,058,000 |
| Noninterest-bearing deposits | 15,840,000 | 15,866,000 | 14,149,000 | 12,584,000 |
| Equity capital | 4,436,000 | 5,116,000 | 4,347,000 | 5,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 951,000 | 1,490,000 | 1,997,000 |
| Interest expense | 96,000 | 194,000 | 303,000 | 462,000 |
| Net interest income | 364,000 | 757,000 | 1,187,000 | 1,535,000 |
| Noninterest income | 22,000 | 43,000 | 61,000 | 80,000 |
| Noninterest expense | 304,000 | 543,000 | 776,000 | 998,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 257,000 | 448,000 | 593,000 |
| Income tax | 6,000 | 30,000 | 69,000 | 107,000 |
| Net income | 76,000 | 227,000 | 379,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,210,000 | 7,108,000 | 7,260,000 | 7,366,000 |