Call reports 2004
CLINTON SAVINGS BANK — 2004
What CLINTON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 339,486,000 | 350,522,000 | 365,146,000 | 364,139,000 |
| Total loans | 212,040,000 | 242,488,000 | 251,138,000 | 261,846,000 |
| Allowance for loan losses | 2,508,000 | 2,597,000 | 2,223,000 | 2,348,000 |
| Securities available for sale | 47,382,000 | 29,659,000 | 22,720,000 | 21,642,000 |
| Securities held to maturity | 38,615,000 | 44,588,000 | 45,004,000 | 56,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,136,000 | 274,237,000 | 283,628,000 | 283,476,000 |
| Interest-bearing deposits | 254,608,000 | 252,895,000 | 258,921,000 | 256,955,000 |
| Noninterest-bearing deposits | 20,528,000 | 21,342,000 | 24,707,000 | 26,521,000 |
| Equity capital | 32,333,000 | 32,212,000 | 32,534,000 | 33,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,774,000 | 7,782,000 | 11,899,000 | 16,290,000 |
| Interest expense | 1,082,000 | 2,227,000 | 3,522,000 | 4,836,000 |
| Net interest income | 2,692,000 | 5,555,000 | 8,377,000 | 11,454,000 |
| Noninterest income | 378,000 | 736,000 | 1,260,000 | 1,551,000 |
| Noninterest expense | 2,010,000 | 4,122,000 | 6,213,000 | 8,455,000 |
| Provision for loan losses | 90,000 | 180,000 | 990,000 | 1,116,000 |
| Pretax income | 1,086,000 | 2,250,000 | 2,722,000 | 3,787,000 |
| Income tax | 403,000 | 835,000 | 957,000 | 1,349,000 |
| Net income | 683,000 | 1,415,000 | 1,765,000 | 2,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,298,000 | 31,995,000 | 32,257,000 | 32,835,000 |
| Total capital | 33,806,000 | 34,566,000 | 34,480,000 | 35,183,000 |
| Risk-weighted assets | 204,041,000 | 205,848,000 | 208,313,000 | 213,164,000 |
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