Call reports 2020
CLINTON SAVINGS BANK — 2020
What CLINTON SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 584,434,000 | 629,332,000 | 629,750,000 | 629,935,000 |
| Total loans | 423,560,000 | 444,368,000 | 446,376,000 | 428,257,000 |
| Allowance for loan losses | 4,386,000 | 4,468,000 | 4,549,000 | 4,617,000 |
| Securities available for sale | 103,475,000 | 102,017,000 | 103,133,000 | 113,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,286,000 | 504,336,000 | 512,588,000 | 510,824,000 |
| Interest-bearing deposits | 415,496,000 | 438,783,000 | 442,017,000 | 442,480,000 |
| Noninterest-bearing deposits | 48,790,000 | 65,553,000 | 70,571,000 | 68,344,000 |
| Equity capital | 66,947,000 | 68,679,000 | 70,019,000 | 70,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,659,000 | 11,055,000 | 16,314,000 | 21,566,000 |
| Interest expense | 1,339,000 | 2,516,000 | 3,561,000 | 4,511,000 |
| Net interest income | 4,320,000 | 8,539,000 | 12,753,000 | 17,055,000 |
| Noninterest income | 573,000 | 1,356,000 | 2,278,000 | 3,401,000 |
| Noninterest expense | 3,889,000 | 7,583,000 | 11,451,000 | 15,742,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 860,000 |
| Pretax income | -646,000 | 1,614,000 | 3,212,000 | 4,626,000 |
| Income tax | -213,000 | 230,000 | 536,000 | 783,000 |
| Net income | -433,000 | 1,384,000 | 2,676,000 | 3,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,655,000 | 67,411,000 | 68,703,000 | 69,853,000 |
| Total capital | 70,051,000 | 71,889,000 | 73,262,000 | 74,475,000 |
| Risk-weighted assets | 404,448,000 | 426,290,000 | 435,599,000 | 440,879,000 |