Call reports 2015
CLINTON BANK — 2015
What CLINTON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 61,858,000 | 60,032,000 | 59,602,000 | 61,957,000 |
| Total loans | 32,258,000 | 33,747,000 | 33,632,000 | 34,297,000 |
| Allowance for loan losses | 482,000 | 486,000 | 499,000 | 406,000 |
| Securities available for sale | 24,451,000 | 22,205,000 | 22,014,000 | 21,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,246,000 | 41,679,000 | 40,236,000 | 43,045,000 |
| Interest-bearing deposits | 32,967,000 | 32,073,000 | 30,823,000 | 31,662,000 |
| Noninterest-bearing deposits | 10,279,000 | 9,606,000 | 9,413,000 | 11,383,000 |
| Equity capital | 11,013,000 | 10,894,000 | 11,035,000 | 11,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,050,000 | 1,604,000 | 2,163,000 |
| Interest expense | 56,000 | 114,000 | 169,000 | 222,000 |
| Net interest income | 497,000 | 936,000 | 1,435,000 | 1,941,000 |
| Noninterest income | 36,000 | 76,000 | 120,000 | 160,000 |
| Noninterest expense | 380,000 | 734,000 | 1,179,000 | 1,561,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 141,000 | 318,000 | 404,000 | 556,000 |
| Income tax | 24,000 | 54,000 | 68,000 | 91,000 |
| Net income | 117,000 | 264,000 | 336,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,661,000 | 10,735,000 | 10,807,000 | 10,828,000 |
| Total capital | 11,143,000 | 11,221,000 | 11,306,000 | 11,234,000 |
| Risk-weighted assets | 43,163,000 | 45,780,000 | 45,727,000 | 43,113,000 |