Call reports 2003
CLAREMONT SAVINGS BANK — 2003
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 260,302,000 | 266,207,000 | 270,918,000 | 271,807,000 |
| Total loans | 151,533,000 | 152,271,000 | 149,820,000 | 152,035,000 |
| Allowance for loan losses | 1,723,000 | 1,714,000 | 1,704,000 | 1,660,000 |
| Securities available for sale | 75,452,000 | 73,548,000 | 77,993,000 | 79,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,413,000 | 227,483,000 | 231,282,000 | 231,844,000 |
| Interest-bearing deposits | 213,072,000 | 215,664,000 | 221,038,000 | 221,130,000 |
| Noninterest-bearing deposits | 10,341,000 | 11,819,000 | 10,244,000 | 10,714,000 |
| Equity capital | 35,511,000 | 37,044,000 | 37,737,000 | 38,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,821,000 | 7,623,000 | 11,318,000 | 14,851,000 |
| Interest expense | 1,358,000 | 2,468,000 | 3,543,000 | 4,591,000 |
| Net interest income | 2,463,000 | 5,155,000 | 7,775,000 | 10,260,000 |
| Noninterest income | 217,000 | 515,000 | 755,000 | 1,024,000 |
| Noninterest expense | 1,575,000 | 3,582,000 | 5,005,000 | 6,515,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,072,000 | 2,101,000 | 3,530,000 | 4,927,000 |
| Income tax | 382,000 | 587,000 | 1,086,000 | 1,552,000 |
| Net income | 690,000 | 1,514,000 | 2,444,000 | 3,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,392,000 | 34,216,000 | 35,146,000 | 36,077,000 |
| Total capital | 35,167,000 | 36,038,000 | 36,964,000 | 38,007,000 |
| Risk-weighted assets | 155,428,000 | 156,954,000 | 158,698,000 | 159,997,000 |
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