Call reports 2016
CLINTON SAVINGS BANK — 2016
What CLINTON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 518,528,000 | 527,016,000 | 522,094,000 | 519,672,000 |
| Total loans | 386,244,000 | 393,978,000 | 395,654,000 | 396,517,000 |
| Allowance for loan losses | 3,367,000 | 3,464,000 | 3,564,000 | 3,621,000 |
| Securities available for sale | 93,404,000 | 89,254,000 | 86,598,000 | 87,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,849,000 | 399,706,000 | 396,397,000 | 405,691,000 |
| Interest-bearing deposits | 356,369,000 | 358,891,000 | 358,485,000 | 364,707,000 |
| Noninterest-bearing deposits | 36,480,000 | 40,815,000 | 37,912,000 | 40,984,000 |
| Equity capital | 51,765,000 | 53,398,000 | 53,898,000 | 53,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,773,000 | 9,581,000 | 14,400,000 | 19,208,000 |
| Interest expense | 713,000 | 1,461,000 | 2,208,000 | 2,967,000 |
| Net interest income | 4,060,000 | 8,120,000 | 12,192,000 | 16,241,000 |
| Noninterest income | 551,000 | 1,083,000 | 1,676,000 | 2,340,000 |
| Noninterest expense | 3,955,000 | 7,637,000 | 11,284,000 | 14,695,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 330,000 |
| Pretax income | 692,000 | 1,886,000 | 2,969,000 | 4,363,000 |
| Income tax | 116,000 | 411,000 | 681,000 | 1,057,000 |
| Net income | 576,000 | 1,475,000 | 2,288,000 | 3,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,615,000 | 50,514,000 | 51,290,000 | 52,226,000 |
| Total capital | 53,661,000 | 54,782,000 | 55,669,000 | 56,717,000 |
| Risk-weighted assets | 357,467,000 | 385,494,000 | 383,528,000 | 391,787,000 |