Call reports 2023
CLAREMONT SAVINGS BANK — 2023
What CLAREMONT SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 548,592,000 | 548,920,000 | 555,533,000 | 552,093,000 |
| Total loans | 418,300,000 | 420,009,000 | 415,810,000 | 418,245,000 |
| Allowance for loan losses | 4,105,000 | 4,150,000 | 4,168,000 | 3,879,000 |
| Securities available for sale | 57,472,000 | 55,072,000 | 52,206,000 | 53,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,467,000 | 429,568,000 | 444,746,000 | 419,606,000 |
| Interest-bearing deposits | 397,331,000 | 373,774,000 | 378,819,000 | 352,286,000 |
| Noninterest-bearing deposits | 56,136,000 | 55,794,000 | 65,927,000 | 67,320,000 |
| Equity capital | 65,334,000 | 65,364,000 | 62,652,000 | 66,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,941,000 | 10,103,000 | 15,416,000 | 20,771,000 |
| Interest expense | 1,660,000 | 3,507,000 | 5,782,000 | 8,195,000 |
| Net interest income | 3,281,000 | 6,596,000 | 9,634,000 | 12,576,000 |
| Noninterest income | 710,000 | 1,462,000 | 2,206,000 | 3,040,000 |
| Noninterest expense | 3,806,000 | 7,482,000 | 11,215,000 | 15,770,000 |
| Provision for loan losses | 164,000 | 200,000 | 208,000 | -139,000 |
| Pretax income | 58,000 | 1,211,000 | -280,000 | 1,905,000 |
| Income tax | -37,000 | 156,000 | -208,000 | 198,000 |
| Net income | 95,000 | 1,055,000 | -72,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,199,000 | 72,175,000 | 71,063,000 | 72,859,000 |
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