Call reports 2005
BANK OF CLARKSON — 2005
What BANK OF CLARKSON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,306,000 | 101,607,000 | 103,338,000 | 103,253,000 |
| Total loans | 54,039,000 | 54,606,000 | 55,542,000 | 56,370,000 |
| Allowance for loan losses | 368,000 | 371,000 | 396,000 | 368,000 |
| Securities available for sale | 31,704,000 | 36,445,000 | 36,664,000 | 37,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,988,000 | 88,473,000 | 90,100,000 | 90,352,000 |
| Interest-bearing deposits | 64,159,000 | 65,796,000 | 66,946,000 | 67,189,000 |
| Noninterest-bearing deposits | 21,829,000 | 22,677,000 | 23,154,000 | 23,163,000 |
| Equity capital | 9,099,000 | 9,193,000 | 9,187,000 | 9,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,589,000 | 3,925,000 | 5,369,000 |
| Interest expense | 357,000 | 746,000 | 1,194,000 | 1,656,000 |
| Net interest income | 905,000 | 1,843,000 | 2,731,000 | 3,713,000 |
| Noninterest income | 150,000 | 306,000 | 482,000 | 669,000 |
| Noninterest expense | 514,000 | 1,005,000 | 1,559,000 | 2,046,000 |
| Provision for loan losses | 3,000 | 31,000 | 44,000 | 5,000 |
| Pretax income | 538,000 | 1,113,000 | 1,610,000 | 2,331,000 |
| Income tax | 181,000 | 376,000 | 551,000 | 780,000 |
| Net income | 357,000 | 737,000 | 1,059,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,334,000 | 9,414,000 | 9,436,000 | 9,628,000 |
| Total capital | 9,702,000 | 9,785,000 | 9,832,000 | 9,996,000 |
| Risk-weighted assets | 52,250,000 | 52,931,000 | 54,383,000 | 54,740,000 |