Call reports 2019
CLINTON SAVINGS BANK — 2019
What CLINTON SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 576,169,000 | 585,778,000 | 584,592,000 | 585,883,000 |
| Total loans | 445,577,000 | 433,881,000 | 436,833,000 | 424,409,000 |
| Allowance for loan losses | 4,310,000 | 4,410,000 | 4,467,000 | 4,301,000 |
| Securities available for sale | 87,904,000 | 89,463,000 | 91,754,000 | 100,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,548,000 | 460,134,000 | 463,195,000 | 458,600,000 |
| Interest-bearing deposits | 397,100,000 | 408,786,000 | 412,920,000 | 410,460,000 |
| Noninterest-bearing deposits | 48,448,000 | 51,348,000 | 50,275,000 | 48,140,000 |
| Equity capital | 61,577,000 | 63,623,000 | 65,125,000 | 66,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,775,000 | 11,689,000 | 17,575,000 | 23,339,000 |
| Interest expense | 1,328,000 | 2,747,000 | 4,172,000 | 5,602,000 |
| Net interest income | 4,447,000 | 8,942,000 | 13,403,000 | 17,737,000 |
| Noninterest income | 465,000 | 1,083,000 | 1,655,000 | 2,642,000 |
| Noninterest expense | 3,767,000 | 7,471,000 | 11,089,000 | 15,058,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 50,000 |
| Pretax income | 1,614,000 | 3,063,000 | 4,549,000 | 6,384,000 |
| Income tax | 298,000 | 567,000 | 850,000 | 1,175,000 |
| Net income | 1,316,000 | 2,496,000 | 3,699,000 | 5,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,493,000 | 63,665,000 | 64,765,000 | 66,177,000 |
| Total capital | 66,820,000 | 68,092,000 | 69,242,000 | 70,488,000 |
| Risk-weighted assets | 409,693,000 | 400,393,000 | 404,240,000 | 394,900,000 |