Call reports 2010
CLINTON SAVINGS BANK — 2010
What CLINTON SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 488,709,000 | 506,955,000 | 501,774,000 | 491,816,000 |
| Total loans | 351,510,000 | 349,302,000 | 346,663,000 | 336,286,000 |
| Allowance for loan losses | 4,487,000 | 4,335,000 | 4,672,000 | 4,591,000 |
| Securities available for sale | 81,640,000 | 92,342,000 | 91,873,000 | 91,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,662,000 | 380,073,000 | 374,406,000 | 372,370,000 |
| Interest-bearing deposits | 339,920,000 | 358,222,000 | 352,265,000 | 349,345,000 |
| Noninterest-bearing deposits | 22,742,000 | 21,851,000 | 22,141,000 | 23,025,000 |
| Equity capital | 49,189,000 | 48,057,000 | 49,003,000 | 48,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,505,000 | 11,096,000 | 16,567,000 | 21,620,000 |
| Interest expense | 1,849,000 | 3,642,000 | 5,372,000 | 6,966,000 |
| Net interest income | 3,656,000 | 7,454,000 | 11,195,000 | 14,654,000 |
| Noninterest income | 675,000 | 1,320,000 | 2,113,000 | 2,872,000 |
| Noninterest expense | 3,286,000 | 6,805,000 | 10,195,000 | 13,386,000 |
| Provision for loan losses | 321,000 | 2,358,000 | 2,696,000 | 2,987,000 |
| Pretax income | 834,000 | -128,000 | 829,000 | 1,345,000 |
| Income tax | 212,000 | 17,000 | 44,000 | 151,000 |
| Net income | 622,000 | -145,000 | 785,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,136,000 | 46,337,000 | 47,542,000 | 48,292,000 |
| Total capital | 51,959,000 | 50,369,000 | 51,337,000 | 52,057,000 |
| Risk-weighted assets | 313,855,000 | 324,251,000 | 305,290,000 | 300,283,000 |