Call reports 2003
BANK OF CLARKSON — 2003
What BANK OF CLARKSON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 98,376,000 | 98,517,000 | 98,451,000 | 98,194,000 |
| Total loans | 55,976,000 | 54,846,000 | 54,755,000 | 54,147,000 |
| Allowance for loan losses | 524,000 | 444,000 | 438,000 | 368,000 |
| Securities available for sale | 32,468,000 | 33,388,000 | 33,498,000 | 35,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,828,000 | 84,011,000 | 84,170,000 | 84,287,000 |
| Interest-bearing deposits | 66,547,000 | 66,296,000 | 66,358,000 | 65,839,000 |
| Noninterest-bearing deposits | 17,281,000 | 17,715,000 | 17,812,000 | 18,448,000 |
| Equity capital | 9,177,000 | 9,169,000 | 9,102,000 | 9,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,315,000 | 2,598,000 | 3,780,000 | 5,013,000 |
| Interest expense | 497,000 | 972,000 | 1,415,000 | 1,834,000 |
| Net interest income | 818,000 | 1,626,000 | 2,365,000 | 3,179,000 |
| Noninterest income | 122,000 | 296,000 | 455,000 | 735,000 |
| Noninterest expense | 452,000 | 968,000 | 1,422,000 | 1,928,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 488,000 | 954,000 | 1,398,000 | 1,986,000 |
| Income tax | 152,000 | 318,000 | 464,000 | 641,000 |
| Net income | 336,000 | 636,000 | 934,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,979,000 | 8,979,000 | 8,976,000 | 9,088,000 |
| Total capital | 9,503,000 | 9,423,000 | 9,414,000 | 9,456,000 |
| Risk-weighted assets | 53,496,000 | 53,324,000 | 53,042,000 | 52,429,000 |