Call reports 2004
BANK OF CLARKSON — 2004
What BANK OF CLARKSON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,681,000 | 98,607,000 | 99,606,000 | 99,612,000 |
| Total loans | 53,516,000 | 53,361,000 | 53,681,000 | 53,789,000 |
| Allowance for loan losses | 369,000 | 376,000 | 377,000 | 368,000 |
| Securities available for sale | 36,037,000 | 34,458,000 | 34,425,000 | 35,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,573,000 | 85,180,000 | 85,795,000 | 86,221,000 |
| Interest-bearing deposits | 65,381,000 | 66,213,000 | 64,914,000 | 64,993,000 |
| Noninterest-bearing deposits | 19,192,000 | 18,967,000 | 20,881,000 | 21,228,000 |
| Equity capital | 9,213,000 | 8,872,000 | 9,171,000 | 9,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,403,000 | 3,670,000 | 4,980,000 |
| Interest expense | 393,000 | 769,000 | 1,126,000 | 1,492,000 |
| Net interest income | 806,000 | 1,634,000 | 2,544,000 | 3,488,000 |
| Noninterest income | 152,000 | 335,000 | 509,000 | 664,000 |
| Noninterest expense | 491,000 | 1,022,000 | 1,507,000 | 1,991,000 |
| Provision for loan losses | 4,000 | 7,000 | 58,000 | 59,000 |
| Pretax income | 463,000 | 940,000 | 1,488,000 | 2,102,000 |
| Income tax | 151,000 | 313,000 | 511,000 | 712,000 |
| Net income | 312,000 | 627,000 | 977,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,099,000 | 9,114,000 | 9,164,000 | 9,277,000 |
| Total capital | 9,468,000 | 9,490,000 | 9,541,000 | 9,646,000 |
| Risk-weighted assets | 52,021,000 | 51,832,000 | 52,116,000 | 52,015,000 |