Call reports 2011
CLINTON SAVINGS BANK — 2011
What CLINTON SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 482,682,000 | 486,104,000 | 484,541,000 | 479,511,000 |
| Total loans | 328,642,000 | 328,510,000 | 330,360,000 | 328,338,000 |
| Allowance for loan losses | 4,758,000 | 4,672,000 | 4,481,000 | 4,369,000 |
| Securities available for sale | 94,187,000 | 102,694,000 | 98,302,000 | 104,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,587,000 | 371,163,000 | 368,935,000 | 362,714,000 |
| Interest-bearing deposits | 339,339,000 | 348,229,000 | 343,838,000 | 338,009,000 |
| Noninterest-bearing deposits | 22,248,000 | 22,934,000 | 25,097,000 | 24,705,000 |
| Equity capital | 48,701,000 | 49,707,000 | 50,055,000 | 51,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,051,000 | 10,059,000 | 15,097,000 | 20,100,000 |
| Interest expense | 1,430,000 | 2,788,000 | 4,062,000 | 5,278,000 |
| Net interest income | 3,621,000 | 7,271,000 | 11,035,000 | 14,822,000 |
| Noninterest income | 583,000 | 1,043,000 | 1,601,000 | 1,902,000 |
| Noninterest expense | 3,366,000 | 6,892,000 | 10,347,000 | 13,666,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 960,000 |
| Pretax income | 516,000 | 1,290,000 | 2,030,000 | 2,892,000 |
| Income tax | 101,000 | 292,000 | 465,000 | 309,000 |
| Net income | 415,000 | 998,000 | 1,565,000 | 2,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,563,000 | 48,872,000 | 48,479,000 | 49,482,000 |
| Total capital | 52,424,000 | 52,748,000 | 52,240,000 | 53,175,000 |
| Risk-weighted assets | 297,997,000 | 297,177,000 | 300,147,000 | 294,712,000 |