Call reports 2007
BANK OF CLARKSON — 2007
What BANK OF CLARKSON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 106,430,000 | 107,605,000 | 107,393,000 | 106,316,000 |
| Total loans | 59,611,000 | 60,263,000 | 61,145,000 | 61,186,000 |
| Allowance for loan losses | 369,000 | 369,000 | 370,000 | 370,000 |
| Securities available for sale | 30,849,000 | 35,085,000 | 34,595,000 | 35,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,052,000 | 94,203,000 | 93,545,000 | 92,840,000 |
| Interest-bearing deposits | 67,800,000 | 68,694,000 | 68,247,000 | 68,131,000 |
| Noninterest-bearing deposits | 25,252,000 | 25,509,000 | 25,298,000 | 24,709,000 |
| Equity capital | 10,186,000 | 10,299,000 | 10,653,000 | 10,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,553,000 | 3,191,000 | 4,934,000 | 6,716,000 |
| Interest expense | 600,000 | 1,222,000 | 1,860,000 | 2,533,000 |
| Net interest income | 953,000 | 1,969,000 | 3,074,000 | 4,183,000 |
| Noninterest income | 217,000 | 437,000 | 667,000 | 918,000 |
| Noninterest expense | 524,000 | 1,064,000 | 1,579,000 | 2,192,000 |
| Provision for loan losses | 3,000 | 8,000 | 11,000 | 72,000 |
| Pretax income | 643,000 | 1,334,000 | 2,151,000 | 2,837,000 |
| Income tax | 199,000 | 443,000 | 704,000 | 929,000 |
| Net income | 444,000 | 891,000 | 1,447,000 | 1,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,307,000 | 10,454,000 | 10,710,000 | 10,871,000 |
| Total capital | 10,676,000 | 10,823,000 | 11,080,000 | 11,241,000 |
| Risk-weighted assets | 55,092,000 | 55,990,000 | 57,017,000 | 56,616,000 |