Call reports 2019
CLAREMONT SAVINGS BANK — 2019
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 420,780,000 | 418,440,000 | 427,737,000 | 437,216,000 |
| Total loans | 332,998,000 | 326,664,000 | 329,248,000 | 342,149,000 |
| Allowance for loan losses | 3,860,000 | 3,924,000 | 3,974,000 | 3,899,000 |
| Securities available for sale | 67,685,000 | 70,364,000 | 44,979,000 | 41,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,135,000 | 322,987,000 | 331,126,000 | 337,172,000 |
| Interest-bearing deposits | 284,719,000 | 282,796,000 | 288,399,000 | 302,158,000 |
| Noninterest-bearing deposits | 39,416,000 | 40,191,000 | 42,727,000 | 35,014,000 |
| Equity capital | 59,839,000 | 61,232,000 | 62,161,000 | 63,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,104,000 | 8,354,000 | 12,566,000 | 16,713,000 |
| Interest expense | 772,000 | 1,597,000 | 2,439,000 | 3,311,000 |
| Net interest income | 3,332,000 | 6,757,000 | 10,127,000 | 13,402,000 |
| Noninterest income | 427,000 | 891,000 | 1,409,000 | 1,907,000 |
| Noninterest expense | 3,130,000 | 6,408,000 | 9,756,000 | 13,018,000 |
| Provision for loan losses | 160,000 | 263,000 | 273,000 | 341,000 |
| Pretax income | 700,000 | 1,422,000 | 2,351,000 | 3,638,000 |
| Income tax | 108,000 | 220,000 | 325,000 | 423,000 |
| Net income | 592,000 | 1,202,000 | 2,026,000 | 3,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,628,000 | 58,252,000 | 60,740,000 | 61,945,000 |
| Total capital | 62,338,000 | 62,960,000 | 64,580,000 | 65,935,000 |
| Risk-weighted assets | 308,804,000 | 301,244,000 | 306,901,000 | 319,118,000 |