Call reports 2012
CLAREMONT SAVINGS BANK — 2012
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 325,467,000 | 321,970,000 | 323,879,000 | 317,776,000 |
| Total loans | 261,162,000 | 263,741,000 | 263,859,000 | 262,437,000 |
| Allowance for loan losses | 3,058,000 | 3,088,000 | 3,101,000 | 3,082,000 |
| Securities available for sale | 36,784,000 | 35,038,000 | 35,265,000 | 32,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,832,000 | 258,255,000 | 262,594,000 | 258,659,000 |
| Interest-bearing deposits | 242,852,000 | 237,063,000 | 241,315,000 | 237,504,000 |
| Noninterest-bearing deposits | 20,980,000 | 21,192,000 | 21,279,000 | 21,155,000 |
| Equity capital | 45,899,000 | 45,754,000 | 46,483,000 | 46,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,541,000 | 7,031,000 | 10,422,000 | 13,877,000 |
| Interest expense | 726,000 | 1,416,000 | 2,075,000 | 2,841,000 |
| Net interest income | 2,815,000 | 5,615,000 | 8,347,000 | 11,036,000 |
| Noninterest income | 472,000 | 997,000 | 1,587,000 | 2,114,000 |
| Noninterest expense | 2,842,000 | 5,895,000 | 8,536,000 | 11,433,000 |
| Provision for loan losses | 115,000 | 295,000 | 635,000 | 890,000 |
| Pretax income | 966,000 | 1,167,000 | 1,805,000 | 2,086,000 |
| Income tax | 282,000 | 299,000 | 478,000 | 532,000 |
| Net income | 684,000 | 625,000 | 1,084,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,068,000 | 45,008,000 | 45,466,000 | 45,691,000 |
| Total capital | 48,356,000 | 48,187,000 | 48,681,000 | 48,854,000 |
| Risk-weighted assets | 231,141,000 | 233,001,000 | 234,052,000 | 231,353,000 |
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