Call reports 2015
CLINTON SAVINGS BANK — 2015
What CLINTON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 494,507,000 | 490,275,000 | 488,805,000 | 507,055,000 |
| Total loans | 366,629,000 | 370,744,000 | 366,762,000 | 384,212,000 |
| Allowance for loan losses | 3,362,000 | 3,476,000 | 3,580,000 | 3,208,000 |
| Securities available for sale | 90,417,000 | 87,869,000 | 88,616,000 | 89,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,551,000 | 381,165,000 | 372,070,000 | 385,032,000 |
| Interest-bearing deposits | 342,135,000 | 344,744,000 | 336,742,000 | 347,928,000 |
| Noninterest-bearing deposits | 38,416,000 | 36,421,000 | 35,328,000 | 37,104,000 |
| Equity capital | 48,329,000 | 48,279,000 | 49,450,000 | 50,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,597,000 | 9,288,000 | 13,926,000 | 18,629,000 |
| Interest expense | 669,000 | 1,352,000 | 2,033,000 | 2,717,000 |
| Net interest income | 3,928,000 | 7,936,000 | 11,893,000 | 15,912,000 |
| Noninterest income | 485,000 | 1,179,000 | 1,794,000 | 2,361,000 |
| Noninterest expense | 3,586,000 | 7,130,000 | 10,616,000 | 14,600,000 |
| Provision for loan losses | 120,000 | 240,000 | 320,000 | 0 |
| Pretax income | 857,000 | 2,053,000 | 3,148,000 | 4,169,000 |
| Income tax | 141,000 | 420,000 | 663,000 | 864,000 |
| Net income | 716,000 | 1,633,000 | 2,485,000 | 3,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,536,000 | 47,453,000 | 48,304,000 | 49,112,000 |
| Total capital | 50,529,000 | 51,412,000 | 52,222,000 | 52,853,000 |
| Risk-weighted assets | 336,871,000 | 340,184,000 | 335,526,000 | 353,567,000 |