Call reports 2016
CLAREMONT SAVINGS BANK — 2016
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 376,820,000 | 383,323,000 | 384,778,000 | 391,552,000 |
| Total loans | 283,557,000 | 286,332,000 | 288,348,000 | 295,714,000 |
| Allowance for loan losses | 2,860,000 | 2,900,000 | 2,966,000 | 2,978,000 |
| Securities available for sale | 69,084,000 | 76,468,000 | 72,952,000 | 71,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 800,000 | 794,000 | 751,000 | 791,000 |
| Total deposits | 295,071,000 | 301,650,000 | 303,082,000 | 295,403,000 |
| Interest-bearing deposits | 264,311,000 | 262,107,000 | 263,391,000 | 261,703,000 |
| Noninterest-bearing deposits | 30,760,000 | 39,543,000 | 39,691,000 | 33,700,000 |
| Equity capital | 52,952,000 | 54,180,000 | 54,326,000 | 53,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,494,000 | 7,019,000 | 10,566,000 | 14,081,000 |
| Interest expense | 471,000 | 943,000 | 1,438,000 | 1,940,000 |
| Net interest income | 3,023,000 | 6,076,000 | 9,128,000 | 12,141,000 |
| Noninterest income | 923,000 | 1,505,000 | 1,981,000 | 2,571,000 |
| Noninterest expense | 3,184,000 | 6,404,000 | 9,545,000 | 12,535,000 |
| Provision for loan losses | 30,000 | 65,000 | 175,000 | 306,000 |
| Pretax income | 729,000 | 1,532,000 | 2,059,000 | 2,641,000 |
| Income tax | 166,000 | 355,000 | 451,000 | 566,000 |
| Net income | 563,000 | 1,177,000 | 1,608,000 | 2,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,118,000 | 51,743,000 | 52,183,000 | 52,660,000 |
| Total capital | 54,390,000 | 55,098,000 | 55,616,000 | 56,286,000 |
| Risk-weighted assets | 277,866,000 | 283,056,000 | 284,325,000 | 285,988,000 |
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