Call reports 2005
CLAREMONT SAVINGS BANK — 2005
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 275,082,000 | 277,484,000 | 288,031,000 | 288,134,000 |
| Total loans | 172,735,000 | 182,752,000 | 191,662,000 | 195,770,000 |
| Allowance for loan losses | 1,586,000 | 1,550,000 | 1,533,000 | 1,489,000 |
| Securities available for sale | 85,468,000 | 80,525,000 | 79,903,000 | 68,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,169,000 | 232,505,000 | 234,378,000 | 231,672,000 |
| Interest-bearing deposits | 217,036,000 | 216,083,000 | 218,437,000 | 215,705,000 |
| Noninterest-bearing deposits | 14,133,000 | 16,422,000 | 15,941,000 | 15,967,000 |
| Equity capital | 40,255,000 | 41,171,000 | 41,398,000 | 41,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,543,000 | 7,207,000 | 10,934,000 | 14,671,000 |
| Interest expense | 1,002,000 | 2,070,000 | 3,310,000 | 4,725,000 |
| Net interest income | 2,541,000 | 5,137,000 | 7,624,000 | 9,946,000 |
| Noninterest income | 284,000 | 910,000 | 1,222,000 | 1,533,000 |
| Noninterest expense | 1,672,000 | 3,855,000 | 5,737,000 | 7,525,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,208,000 | 2,289,000 | 3,215,000 | 4,091,000 |
| Income tax | 428,000 | 786,000 | 1,002,000 | 1,311,000 |
| Net income | 780,000 | 1,503,000 | 2,213,000 | 2,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,160,000 | 40,885,000 | 41,593,000 | 42,160,000 |
| Total capital | 41,952,000 | 42,564,000 | 43,291,000 | 43,793,000 |
| Risk-weighted assets | 168,158,000 | 172,586,000 | 181,243,000 | 177,940,000 |
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