Call reports 2015
CLAREMONT SAVINGS BANK — 2015
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 363,561,000 | 363,026,000 | 366,043,000 | 376,851,000 |
| Total loans | 274,136,000 | 283,664,000 | 284,344,000 | 283,042,000 |
| Allowance for loan losses | 3,248,000 | 3,028,000 | 3,027,000 | 2,739,000 |
| Securities available for sale | 57,358,000 | 59,057,000 | 60,099,000 | 66,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 762,000 | 737,000 | 878,000 | 774,000 |
| Total deposits | 289,195,000 | 278,000,000 | 276,930,000 | 281,140,000 |
| Interest-bearing deposits | 263,593,000 | 249,616,000 | 249,366,000 | 252,480,000 |
| Noninterest-bearing deposits | 25,602,000 | 28,384,000 | 27,564,000 | 28,660,000 |
| Equity capital | 51,158,000 | 50,966,000 | 50,756,000 | 51,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,247,000 | 6,590,000 | 10,073,000 | 13,528,000 |
| Interest expense | 396,000 | 808,000 | 1,260,000 | 1,720,000 |
| Net interest income | 2,851,000 | 5,782,000 | 8,813,000 | 11,808,000 |
| Noninterest income | 447,000 | 981,000 | 1,541,000 | 2,095,000 |
| Noninterest expense | 3,222,000 | 6,254,000 | 9,354,000 | 12,626,000 |
| Provision for loan losses | 171,000 | 184,000 | 210,000 | 226,000 |
| Pretax income | 679,000 | 1,405,000 | 1,922,000 | 2,293,000 |
| Income tax | 166,000 | 312,000 | 426,000 | 456,000 |
| Net income | 513,000 | 1,093,000 | 1,496,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,317,000 | 49,907,000 | 49,779,000 | 50,497,000 |
| Total capital | 53,069,000 | 53,377,000 | 53,014,000 | 53,444,000 |
| Risk-weighted assets | 263,630,000 | 272,109,000 | 271,300,000 | 275,760,000 |