Call reports 2014
BANK OF CLARKSON — 2014
What BANK OF CLARKSON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 119,475,000 | 117,011,000 | 117,753,000 | 118,123,000 |
| Total loans | 52,796,000 | 54,389,000 | 55,338,000 | 53,314,000 |
| Allowance for loan losses | 287,000 | 288,000 | 288,000 | 289,000 |
| Securities available for sale | 45,523,000 | 49,205,000 | 47,809,000 | 48,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,956,000 | 102,009,000 | 102,028,000 | 102,376,000 |
| Interest-bearing deposits | 74,972,000 | 71,613,000 | 72,254,000 | 71,953,000 |
| Noninterest-bearing deposits | 29,984,000 | 30,396,000 | 29,774,000 | 30,423,000 |
| Equity capital | 11,406,000 | 11,709,000 | 12,204,000 | 12,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,214,000 | 3,373,000 | 4,510,000 |
| Interest expense | 136,000 | 261,000 | 381,000 | 497,000 |
| Net interest income | 940,000 | 1,953,000 | 2,992,000 | 4,013,000 |
| Noninterest income | 202,000 | 419,000 | 638,000 | 872,000 |
| Noninterest expense | 746,000 | 1,499,000 | 2,197,000 | 2,811,000 |
| Provision for loan losses | 5,000 | 50,000 | 55,000 | 65,000 |
| Pretax income | 391,000 | 822,000 | 1,373,000 | 2,004,000 |
| Income tax | 106,000 | 243,000 | 400,000 | 540,000 |
| Net income | 285,000 | 579,000 | 973,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,257,000 | 12,251,000 | 12,645,000 | 13,136,000 |
| Total capital | 12,544,000 | 12,539,000 | 12,933,000 | 13,425,000 |
| Risk-weighted assets | 52,277,000 | 53,541,000 | 54,832,000 | 53,172,000 |