Call reports 2015
BANK OF CLARKSON — 2015
What BANK OF CLARKSON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 118,706,000 | 117,478,000 | 116,062,000 | 111,901,000 |
| Total loans | 53,007,000 | 52,740,000 | 53,270,000 | 52,662,000 |
| Allowance for loan losses | 288,000 | 289,000 | 295,000 | 295,000 |
| Securities available for sale | 44,741,000 | 45,565,000 | 47,436,000 | 47,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,475,000 | 101,080,000 | 99,045,000 | 94,694,000 |
| Interest-bearing deposits | 71,947,000 | 70,365,000 | 69,038,000 | 71,502,000 |
| Noninterest-bearing deposits | 30,528,000 | 30,715,000 | 30,007,000 | 23,192,000 |
| Equity capital | 13,390,000 | 13,489,000 | 13,970,000 | 14,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 958,000 | 1,997,000 | 3,096,000 | 4,243,000 |
| Interest expense | 106,000 | 206,000 | 314,000 | 400,000 |
| Net interest income | 852,000 | 1,791,000 | 2,782,000 | 3,843,000 |
| Noninterest income | 203,000 | 528,000 | 709,000 | 957,000 |
| Noninterest expense | 739,000 | 1,490,000 | 2,207,000 | 2,920,000 |
| Provision for loan losses | 31,000 | 38,000 | 47,000 | 93,000 |
| Pretax income | 433,000 | 938,000 | 1,381,000 | 1,931,000 |
| Income tax | 127,000 | 281,000 | 409,000 | 513,000 |
| Net income | 306,000 | 657,000 | 972,000 | 1,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,441,000 | 13,793,000 | 14,108,000 | 14,554,000 |
| Total capital | 13,729,000 | 14,082,000 | 14,403,000 | 14,849,000 |
| Risk-weighted assets | 54,878,000 | 55,291,000 | 56,048,000 | 55,134,000 |