Call reports 2025
CLARKSON BANK — 2025
What CLARKSON BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 74,549,000 | 73,972,000 | 73,097,000 | 78,510,000 |
| Total loans | 33,951,000 | 35,546,000 | 38,833,000 | 44,137,000 |
| Allowance for loan losses | 892,000 | 892,000 | 893,000 | 893,000 |
| Securities available for sale | 28,702,000 | 30,580,000 | 30,995,000 | 30,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,892,000 | 64,071,000 | 61,920,000 | 60,875,000 |
| Interest-bearing deposits | 53,095,000 | 51,987,000 | 49,949,000 | 46,912,000 |
| Noninterest-bearing deposits | 11,797,000 | 12,084,000 | 11,971,000 | 13,963,000 |
| Equity capital | 7,193,000 | 7,413,000 | 7,799,000 | 7,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,710,000 | 2,619,000 | 3,577,000 |
| Interest expense | 309,000 | 602,000 | 896,000 | 1,226,000 |
| Net interest income | 526,000 | 1,108,000 | 1,723,000 | 2,351,000 |
| Noninterest income | 20,000 | 38,000 | 52,000 | 68,000 |
| Noninterest expense | 293,000 | 595,000 | 882,000 | 1,237,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 253,000 | 551,000 | 893,000 | 1,182,000 |
| Income tax | 44,000 | 87,000 | 146,000 | 204,000 |
| Net income | 209,000 | 464,000 | 747,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,393,000 | 8,502,000 | 8,606,000 | 8,640,000 |