Call reports 2003
CLARKSTON STATE BANK — 2003
What CLARKSTON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 122,706,000 | 130,518,000 | 131,912,000 | 140,547,000 |
| Total loans | 68,315,000 | 76,077,000 | 84,476,000 | 84,053,000 |
| Allowance for loan losses | 838,000 | 996,000 | 1,065,000 | 1,092,000 |
| Securities available for sale | 45,224,000 | 43,236,000 | 36,840,000 | 47,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,147,000 | 119,404,000 | 121,087,000 | 128,602,000 |
| Interest-bearing deposits | 96,933,000 | 98,778,000 | 102,241,000 | 108,383,000 |
| Noninterest-bearing deposits | 15,214,000 | 20,626,000 | 18,846,000 | 20,219,000 |
| Equity capital | 9,954,000 | 10,520,000 | 10,273,000 | 11,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,161,000 | 4,823,000 | 6,650,000 |
| Interest expense | 673,000 | 1,307,000 | 1,907,000 | 2,556,000 |
| Net interest income | 868,000 | 1,854,000 | 2,916,000 | 4,094,000 |
| Noninterest income | 107,000 | 293,000 | 480,000 | 599,000 |
| Noninterest expense | 622,000 | 1,319,000 | 1,989,000 | 2,698,000 |
| Provision for loan losses | 243,000 | 426,000 | 496,000 | 496,000 |
| Pretax income | 320,000 | 832,000 | 1,436,000 | 2,031,000 |
| Income tax | 79,000 | 224,000 | 357,000 | 458,000 |
| Net income | 241,000 | 608,000 | 1,079,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,722,000 | 10,047,000 | 10,506,000 | 11,033,000 |
| Total capital | 10,560,000 | 11,043,000 | 11,571,000 | 12,125,000 |
| Risk-weighted assets | 80,906,000 | 88,665,000 | 96,167,000 | 95,882,000 |