Call reports 2012
CLINTON SAVINGS BANK — 2012
What CLINTON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 481,675,000 | 480,207,000 | 472,897,000 | 474,484,000 |
| Total loans | 327,936,000 | 331,214,000 | 329,193,000 | 339,957,000 |
| Allowance for loan losses | 4,237,000 | 4,033,000 | 4,059,000 | 3,985,000 |
| Securities available for sale | 102,188,000 | 97,863,000 | 96,255,000 | 91,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,221,000 | 371,822,000 | 370,374,000 | 371,714,000 |
| Interest-bearing deposits | 344,339,000 | 346,964,000 | 344,970,000 | 345,142,000 |
| Noninterest-bearing deposits | 26,882,000 | 24,858,000 | 25,404,000 | 26,572,000 |
| Equity capital | 51,698,000 | 49,145,000 | 50,161,000 | 50,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,905,000 | 9,794,000 | 14,685,000 | 19,150,000 |
| Interest expense | 1,080,000 | 2,069,000 | 2,993,000 | 3,873,000 |
| Net interest income | 3,825,000 | 7,725,000 | 11,692,000 | 15,277,000 |
| Noninterest income | 544,000 | 1,117,000 | 1,619,000 | 2,205,000 |
| Noninterest expense | 3,463,000 | 6,901,000 | 10,230,000 | 13,677,000 |
| Provision for loan losses | 240,000 | 480,000 | 690,000 | 900,000 |
| Pretax income | 768,000 | 1,590,000 | 2,800,000 | 3,340,000 |
| Income tax | 178,000 | 380,000 | 626,000 | 664,000 |
| Net income | 590,000 | 1,210,000 | 2,174,000 | 2,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,859,000 | 47,362,000 | 48,139,000 | 47,810,000 |
| Total capital | 53,778,000 | 51,236,000 | 51,999,000 | 51,835,000 |
| Risk-weighted assets | 304,135,000 | 308,653,000 | 302,370,000 | 312,596,000 |