Call reports 2009
BANK OF CLARKSON — 2009
What BANK OF CLARKSON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,048,000 | 115,146,000 | 115,933,000 | 115,404,000 |
| Total loans | 58,357,000 | 59,755,000 | 61,060,000 | 62,406,000 |
| Allowance for loan losses | 401,000 | 402,000 | 406,000 | 407,000 |
| Securities available for sale | 38,046,000 | 34,819,000 | 33,460,000 | 35,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,552,000 | 101,596,000 | 102,310,000 | 102,194,000 |
| Interest-bearing deposits | 71,775,000 | 72,212,000 | 72,589,000 | 71,874,000 |
| Noninterest-bearing deposits | 28,777,000 | 29,384,000 | 29,721,000 | 30,320,000 |
| Equity capital | 11,546,000 | 11,609,000 | 11,720,000 | 11,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,401,000 | 2,756,000 | 4,134,000 | 5,514,000 |
| Interest expense | 457,000 | 902,000 | 1,293,000 | 1,672,000 |
| Net interest income | 944,000 | 1,854,000 | 2,841,000 | 3,842,000 |
| Noninterest income | 200,000 | 374,000 | 592,000 | 795,000 |
| Noninterest expense | 642,000 | 1,229,000 | 1,836,000 | 2,452,000 |
| Provision for loan losses | 4,000 | 16,000 | 36,000 | 81,000 |
| Pretax income | 498,000 | 983,000 | 1,561,000 | 2,104,000 |
| Income tax | 148,000 | 313,000 | 490,000 | 688,000 |
| Net income | 350,000 | 670,000 | 1,071,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,526,000 | 11,546,000 | 11,647,000 | 11,692,000 |
| Total capital | 11,927,000 | 11,948,000 | 12,053,000 | 12,099,000 |
| Risk-weighted assets | 54,028,000 | 55,730,000 | 53,458,000 | 54,161,000 |