Call reports 2004
CLARKSTON STATE BANK — 2004
What CLARKSTON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 143,907,000 | 145,131,000 | 158,065,000 | 160,890,000 |
| Total loans | 87,490,000 | 94,407,000 | 102,903,000 | 112,187,000 |
| Allowance for loan losses | 1,041,000 | 1,152,000 | 1,214,000 | 1,280,000 |
| Securities available for sale | 47,127,000 | 38,844,000 | 42,328,000 | 42,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,723,000 | 124,048,000 | 135,756,000 | 134,995,000 |
| Interest-bearing deposits | 111,431,000 | 102,862,000 | 112,427,000 | 113,500,000 |
| Noninterest-bearing deposits | 19,292,000 | 21,186,000 | 23,329,000 | 21,495,000 |
| Equity capital | 12,774,000 | 11,714,000 | 12,897,000 | 13,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,837,000 | 3,729,000 | 5,754,000 | 8,075,000 |
| Interest expense | 652,000 | 1,289,000 | 2,001,000 | 2,820,000 |
| Net interest income | 1,185,000 | 2,440,000 | 3,753,000 | 5,255,000 |
| Noninterest income | 129,000 | 296,000 | 503,000 | 734,000 |
| Noninterest expense | 783,000 | 1,636,000 | 2,506,000 | 3,654,000 |
| Provision for loan losses | 80,000 | 185,000 | 295,000 | 330,000 |
| Pretax income | 457,000 | 901,000 | 1,439,000 | 1,997,000 |
| Income tax | 116,000 | 180,000 | 322,000 | 541,000 |
| Net income | 341,000 | 721,000 | 1,117,000 | 1,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,179,000 | 12,524,000 | 12,936,000 | 13,333,000 |
| Total capital | 13,220,000 | 13,676,000 | 14,150,000 | 14,613,000 |
| Risk-weighted assets | 99,169,000 | 105,864,000 | 114,112,000 | 121,418,000 |