Call reports 2016
BANK OF CLARKSON — 2016
What BANK OF CLARKSON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 114,780,000 | 115,707,000 | 121,076,000 | 115,880,000 |
| Total loans | 51,826,000 | 61,290,000 | 65,209,000 | 66,379,000 |
| Allowance for loan losses | 298,000 | 298,000 | 299,000 | 299,000 |
| Securities available for sale | 45,741,000 | 44,925,000 | 43,501,000 | 38,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,336,000 | 97,727,000 | 98,159,000 | 98,786,000 |
| Interest-bearing deposits | 72,224,000 | 72,829,000 | 72,533,000 | 72,687,000 |
| Noninterest-bearing deposits | 25,112,000 | 24,898,000 | 25,626,000 | 26,099,000 |
| Equity capital | 14,717,000 | 15,039,000 | 15,078,000 | 14,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,231,000 | 3,383,000 | 4,585,000 |
| Interest expense | 106,000 | 187,000 | 293,000 | 376,000 |
| Net interest income | 1,015,000 | 2,044,000 | 3,090,000 | 4,209,000 |
| Noninterest income | 238,000 | 477,000 | 723,000 | 962,000 |
| Noninterest expense | 796,000 | 1,541,000 | 2,268,000 | 2,913,000 |
| Provision for loan losses | 15,000 | 24,000 | 24,000 | 50,000 |
| Pretax income | 453,000 | 966,000 | 1,528,000 | 2,228,000 |
| Income tax | 124,000 | 275,000 | 441,000 | 582,000 |
| Net income | 329,000 | 691,000 | 1,087,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,583,000 | 14,645,000 | 14,741,000 | 15,105,000 |
| Total capital | 14,881,000 | 14,943,000 | 15,040,000 | 15,404,000 |
| Risk-weighted assets | 53,592,000 | 62,912,000 | 67,368,000 | 68,544,000 |