Call reports 2008
BANK OF CLARKSON — 2008
What BANK OF CLARKSON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 112,039,000 | 110,466,000 | 111,758,000 | 110,194,000 |
| Total loans | 59,370,000 | 57,569,000 | 57,696,000 | 58,020,000 |
| Allowance for loan losses | 371,000 | 371,000 | 375,000 | 376,000 |
| Securities available for sale | 40,079,000 | 41,622,000 | 42,781,000 | 35,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,985,000 | 96,817,000 | 97,997,000 | 96,591,000 |
| Interest-bearing deposits | 71,148,000 | 70,981,000 | 71,586,000 | 68,308,000 |
| Noninterest-bearing deposits | 26,837,000 | 25,836,000 | 26,411,000 | 28,283,000 |
| Equity capital | 11,222,000 | 11,052,000 | 11,182,000 | 11,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,297,000 | 4,886,000 | 6,458,000 |
| Interest expense | 647,000 | 1,271,000 | 1,865,000 | 2,402,000 |
| Net interest income | 1,059,000 | 2,026,000 | 3,021,000 | 4,056,000 |
| Noninterest income | 227,000 | 448,000 | 670,000 | 894,000 |
| Noninterest expense | 549,000 | 1,092,000 | 1,676,000 | 2,209,000 |
| Provision for loan losses | 1,000 | 27,000 | 43,000 | 48,000 |
| Pretax income | 736,000 | 1,355,000 | 1,972,000 | 2,693,000 |
| Income tax | 240,000 | 464,000 | 662,000 | 888,000 |
| Net income | 496,000 | 891,000 | 1,310,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,061,000 | 11,162,000 | 11,282,000 | 11,476,000 |
| Total capital | 11,432,000 | 11,534,000 | 11,657,000 | 11,852,000 |
| Risk-weighted assets | 55,719,000 | 53,652,000 | 53,593,000 | 53,384,000 |