Call reports 2012
BANK OF CLARKSON — 2012
What BANK OF CLARKSON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 120,090,000 | 122,139,000 | 120,787,000 | 110,936,000 |
| Total loans | 59,439,000 | 58,874,000 | 57,547,000 | 56,434,000 |
| Allowance for loan losses | 406,000 | 339,000 | 248,000 | 251,000 |
| Securities available for sale | 35,222,000 | 35,230,000 | 34,015,000 | 30,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,109,000 | 109,044,000 | 107,605,000 | 98,418,000 |
| Interest-bearing deposits | 72,724,000 | 73,939,000 | 73,229,000 | 72,845,000 |
| Noninterest-bearing deposits | 34,385,000 | 35,105,000 | 34,376,000 | 25,573,000 |
| Equity capital | 12,463,000 | 12,449,000 | 12,349,000 | 12,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,234,000 | 2,363,000 | 3,519,000 | 4,560,000 |
| Interest expense | 204,000 | 393,000 | 571,000 | 749,000 |
| Net interest income | 1,030,000 | 1,970,000 | 2,948,000 | 3,811,000 |
| Noninterest income | 222,000 | 506,000 | 707,000 | 957,000 |
| Noninterest expense | 948,000 | 1,734,000 | 2,433,000 | 3,292,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 19,000 |
| Pretax income | 298,000 | 730,000 | 1,210,000 | 1,457,000 |
| Income tax | 81,000 | 232,000 | 378,000 | 405,000 |
| Net income | 217,000 | 498,000 | 832,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,365,000 | 12,346,000 | 12,380,000 | 12,300,000 |
| Total capital | 12,771,000 | 12,685,000 | 12,628,000 | 12,551,000 |
| Risk-weighted assets | 52,222,000 | 52,967,000 | 52,381,000 | 50,290,000 |