Call reports 2002
BANK OF CLARKSON — 2002
What BANK OF CLARKSON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 98,323,000 | 97,950,000 | 96,979,000 | 98,615,000 |
| Total loans | 56,360,000 | 57,021,000 | 56,737,000 | 56,240,000 |
| Allowance for loan losses | 564,000 | 597,000 | 582,000 | 528,000 |
| Securities available for sale | 32,200,000 | 31,119,000 | 30,562,000 | 31,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,441,000 | 83,277,000 | 81,864,000 | 83,677,000 |
| Interest-bearing deposits | 66,385,000 | 66,084,000 | 65,966,000 | 66,176,000 |
| Noninterest-bearing deposits | 17,056,000 | 17,193,000 | 15,898,000 | 17,501,000 |
| Equity capital | 8,766,000 | 8,877,000 | 9,141,000 | 9,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 2,934,000 | 4,431,000 | 5,862,000 |
| Interest expense | 687,000 | 1,335,000 | 1,907,000 | 2,475,000 |
| Net interest income | 793,000 | 1,599,000 | 2,524,000 | 3,387,000 |
| Noninterest income | 116,000 | 240,000 | 378,000 | 515,000 |
| Noninterest expense | 472,000 | 895,000 | 1,284,000 | 1,762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 437,000 | 944,000 | 1,618,000 | 2,140,000 |
| Income tax | 130,000 | 298,000 | 518,000 | 699,000 |
| Net income | 307,000 | 646,000 | 1,100,000 | 1,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,709,000 | 8,748,000 | 8,902,000 | 8,943,000 |
| Total capital | 9,273,000 | 9,345,000 | 9,484,000 | 9,471,000 |
| Risk-weighted assets | 52,250,000 | 52,877,000 | 53,059,000 | 53,712,000 |