Call reports 2014
CLINTON SAVINGS BANK — 2014
What CLINTON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 479,022,000 | 483,613,000 | 479,752,000 | 484,242,000 |
| Total loans | 349,967,000 | 354,051,000 | 357,767,000 | 363,397,000 |
| Allowance for loan losses | 3,665,000 | 3,759,000 | 3,756,000 | 3,308,000 |
| Securities available for sale | 88,458,000 | 91,223,000 | 88,724,000 | 88,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,345,000 | 386,937,000 | 381,771,000 | 375,630,000 |
| Interest-bearing deposits | 362,045,000 | 355,020,000 | 349,736,000 | 343,629,000 |
| Noninterest-bearing deposits | 29,300,000 | 31,917,000 | 32,035,000 | 32,001,000 |
| Equity capital | 49,979,000 | 46,256,000 | 46,926,000 | 47,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,553,000 | 9,158,000 | 13,843,000 | 18,503,000 |
| Interest expense | 687,000 | 1,339,000 | 1,987,000 | 2,629,000 |
| Net interest income | 3,866,000 | 7,819,000 | 11,856,000 | 15,874,000 |
| Noninterest income | 456,000 | 942,000 | 1,474,000 | 1,940,000 |
| Noninterest expense | 3,442,000 | 6,926,000 | 10,297,000 | 13,930,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 140,000 |
| Pretax income | 829,000 | 1,880,000 | 3,042,000 | 4,198,000 |
| Income tax | 161,000 | 381,000 | 678,000 | 926,000 |
| Net income | 668,000 | 1,499,000 | 2,364,000 | 3,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,126,000 | 44,012,000 | 44,762,000 | 45,488,000 |
| Total capital | 52,269,000 | 48,291,000 | 49,015,000 | 49,472,000 |
| Risk-weighted assets | 316,353,000 | 321,502,000 | 323,542,000 | 327,569,000 |