Call reports 2020
CLINTON BANK — 2020
What CLINTON BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 61,118,000 | 66,558,000 | 61,570,000 | 62,301,000 |
| Total loans | 35,878,000 | 36,742,000 | 37,849,000 | 37,220,000 |
| Allowance for loan losses | 440,000 | 449,000 | 455,000 | 473,000 |
| Securities available for sale | 17,612,000 | 19,812,000 | 20,530,000 | 20,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,248,000 | 47,234,000 | 44,262,000 | 45,337,000 |
| Interest-bearing deposits | 30,419,000 | 33,705,000 | 32,542,000 | 33,281,000 |
| Noninterest-bearing deposits | 11,829,000 | 13,529,000 | 11,720,000 | 12,056,000 |
| Equity capital | 12,109,000 | 12,622,000 | 12,800,000 | 12,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,376,000 | 1,993,000 | 2,598,000 |
| Interest expense | 143,000 | 251,000 | 348,000 | 438,000 |
| Net interest income | 499,000 | 1,125,000 | 1,645,000 | 2,160,000 |
| Noninterest income | 7,000 | 36,000 | 74,000 | 112,000 |
| Noninterest expense | 419,000 | 794,000 | 1,195,000 | 1,585,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 165,000 | 433,000 | 578,000 | 729,000 |
| Income tax | 26,000 | 105,000 | 109,000 | 125,000 |
| Net income | 139,000 | 328,000 | 469,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,929,000 | 12,012,000 | 12,152,000 | 12,177,000 |
| Total capital | 12,369,000 | 12,461,000 | 12,607,000 | 12,650,000 |
| Risk-weighted assets | 44,224,000 | 45,333,000 | 44,335,000 | 45,054,000 |
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