Call reports 2013
BANK OF CLARKSON — 2013
What BANK OF CLARKSON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 117,845,000 | 116,777,000 | 119,628,000 | 118,189,000 |
| Total loans | 53,901,000 | 53,670,000 | 54,295,000 | 53,450,000 |
| Allowance for loan losses | 252,000 | 271,000 | 273,000 | 285,000 |
| Securities available for sale | 26,812,000 | 44,032,000 | 41,451,000 | 42,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,201,000 | 101,787,000 | 105,035,000 | 104,098,000 |
| Interest-bearing deposits | 75,122,000 | 74,192,000 | 77,931,000 | 76,922,000 |
| Noninterest-bearing deposits | 27,079,000 | 27,595,000 | 27,104,000 | 27,176,000 |
| Equity capital | 12,285,000 | 11,493,000 | 10,938,000 | 11,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 2,012,000 | 3,108,000 | 4,248,000 |
| Interest expense | 167,000 | 330,000 | 491,000 | 640,000 |
| Net interest income | 744,000 | 1,682,000 | 2,617,000 | 3,608,000 |
| Noninterest income | 274,000 | 521,000 | 828,000 | 1,096,000 |
| Noninterest expense | 707,000 | 1,445,000 | 2,165,000 | 2,912,000 |
| Provision for loan losses | 29,000 | 44,000 | 59,000 | 87,000 |
| Pretax income | 282,000 | 714,000 | 1,215,000 | 1,699,000 |
| Income tax | 75,000 | 208,000 | 347,000 | 527,000 |
| Net income | 207,000 | 506,000 | 868,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,207,000 | 12,206,000 | 12,268,000 | 12,272,000 |
| Total capital | 12,459,000 | 12,477,000 | 12,541,000 | 12,557,000 |
| Risk-weighted assets | 51,214,000 | 51,998,000 | 53,347,000 | 52,478,000 |