Call reports 2004
CLAREMONT SAVINGS BANK — 2004
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 275,707,000 | 276,786,000 | 275,220,000 | 276,835,000 |
| Total loans | 151,807,000 | 155,605,000 | 166,232,000 | 170,609,000 |
| Allowance for loan losses | 1,657,000 | 1,640,000 | 1,641,000 | 1,629,000 |
| Securities available for sale | 87,559,000 | 94,340,000 | 87,935,000 | 91,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,753,000 | 237,250,000 | 233,607,000 | 232,540,000 |
| Interest-bearing deposits | 222,690,000 | 223,767,000 | 221,025,000 | 218,738,000 |
| Noninterest-bearing deposits | 12,063,000 | 13,483,000 | 12,582,000 | 13,802,000 |
| Equity capital | 39,475,000 | 38,718,000 | 40,058,000 | 40,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,485,000 | 7,014,000 | 10,614,000 | 14,183,000 |
| Interest expense | 1,011,000 | 2,013,000 | 3,006,000 | 4,006,000 |
| Net interest income | 2,474,000 | 5,001,000 | 7,608,000 | 10,177,000 |
| Noninterest income | 250,000 | 534,000 | 800,000 | 1,081,000 |
| Noninterest expense | 1,852,000 | 3,836,000 | 5,267,000 | 6,940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,076,000 | 1,887,000 | 3,481,000 | 4,658,000 |
| Income tax | 244,000 | 384,000 | 939,000 | 1,356,000 |
| Net income | 832,000 | 1,503,000 | 2,542,000 | 3,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,910,000 | 37,580,000 | 38,620,000 | 39,380,000 |
| Total capital | 38,778,000 | 39,413,000 | 40,424,000 | 41,248,000 |
| Risk-weighted assets | 160,583,000 | 162,182,000 | 163,988,000 | 167,492,000 |
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