Call reports 2018
CLAREMONT SAVINGS BANK — 2018
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 422,268,000 | 417,904,000 | 416,435,000 | 417,193,000 |
| Total loans | 323,932,000 | 328,748,000 | 326,497,000 | 330,720,000 |
| Allowance for loan losses | 3,519,000 | 3,555,000 | 3,591,000 | 3,705,000 |
| Securities available for sale | 67,014,000 | 65,399,000 | 67,277,000 | 65,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,496,000 | 315,735,000 | 319,082,000 | 322,502,000 |
| Interest-bearing deposits | 283,343,000 | 277,850,000 | 277,423,000 | 281,535,000 |
| Noninterest-bearing deposits | 37,153,000 | 37,885,000 | 41,659,000 | 40,967,000 |
| Equity capital | 56,815,000 | 57,130,000 | 58,286,000 | 57,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,774,000 | 7,692,000 | 11,671,000 | 15,792,000 |
| Interest expense | 629,000 | 1,288,000 | 1,992,000 | 2,702,000 |
| Net interest income | 3,145,000 | 6,404,000 | 9,679,000 | 13,090,000 |
| Noninterest income | 468,000 | 924,000 | 1,456,000 | 2,065,000 |
| Noninterest expense | 3,205,000 | 6,406,000 | 9,568,000 | 12,747,000 |
| Provision for loan losses | 280,000 | 339,000 | 403,000 | 550,000 |
| Pretax income | 455,000 | 1,083,000 | 2,060,000 | 2,876,000 |
| Income tax | 71,000 | 128,000 | 283,000 | 421,000 |
| Net income | 384,000 | 955,000 | 1,777,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,167,000 | 55,487,000 | 56,325,000 | 57,019,000 |
| Total capital | 59,531,000 | 59,827,000 | 61,047,000 | 60,948,000 |
| Risk-weighted assets | 306,462,000 | 310,604,000 | 311,630,000 | 307,723,000 |