Call reports 2013
CLINTON SAVINGS BANK — 2013
What CLINTON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 482,772,000 | 483,648,000 | 473,765,000 | 469,462,000 |
| Total loans | 340,959,000 | 339,779,000 | 346,051,000 | 347,176,000 |
| Allowance for loan losses | 3,837,000 | 3,699,000 | 3,823,000 | 3,568,000 |
| Securities available for sale | 92,846,000 | 91,610,000 | 91,634,000 | 86,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,729,000 | 388,766,000 | 389,618,000 | 380,107,000 |
| Interest-bearing deposits | 358,815,000 | 361,245,000 | 360,472,000 | 352,518,000 |
| Noninterest-bearing deposits | 24,914,000 | 27,521,000 | 29,146,000 | 27,589,000 |
| Equity capital | 46,485,000 | 45,575,000 | 46,413,000 | 48,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,632,000 | 9,181,000 | 13,627,000 | 18,030,000 |
| Interest expense | 808,000 | 1,613,000 | 2,354,000 | 3,070,000 |
| Net interest income | 3,824,000 | 7,568,000 | 11,273,000 | 14,960,000 |
| Noninterest income | 684,000 | 1,294,000 | 1,783,000 | 2,497,000 |
| Noninterest expense | 3,457,000 | 6,974,000 | 10,368,000 | 12,473,000 |
| Provision for loan losses | 210,000 | 420,000 | 610,000 | 410,000 |
| Pretax income | 1,030,000 | 1,859,000 | 2,598,000 | 5,192,000 |
| Income tax | 208,000 | 357,000 | 487,000 | 1,282,000 |
| Net income | 822,000 | 1,502,000 | 2,111,000 | 3,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,290,000 | 44,073,000 | 44,665,000 | 47,309,000 |
| Total capital | 48,559,000 | 48,180,000 | 48,994,000 | 51,338,000 |
| Risk-weighted assets | 312,852,000 | 312,732,000 | 317,984,000 | 312,520,000 |