Call reports 2005
CLARKSTON STATE BANK — 2005
What CLARKSTON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 171,355,000 | 185,526,000 | 177,001,000 | 181,304,000 |
| Total loans | 125,547,000 | 130,242,000 | 129,007,000 | 130,434,000 |
| Allowance for loan losses | 1,363,000 | 1,506,000 | 1,856,000 | 1,898,000 |
| Securities available for sale | 37,152,000 | 37,034,000 | 38,841,000 | 42,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,998,000 | 159,331,000 | 156,149,000 | 157,386,000 |
| Interest-bearing deposits | 121,684,000 | 129,773,000 | 132,044,000 | 132,462,000 |
| Noninterest-bearing deposits | 22,314,000 | 29,558,000 | 24,105,000 | 24,924,000 |
| Equity capital | 13,078,000 | 13,484,000 | 13,051,000 | 13,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,477,000 | 5,160,000 | 7,917,000 | 10,733,000 |
| Interest expense | 964,000 | 2,072,000 | 3,299,000 | 4,535,000 |
| Net interest income | 1,513,000 | 3,088,000 | 4,618,000 | 6,198,000 |
| Noninterest income | 243,000 | 492,000 | 696,000 | 842,000 |
| Noninterest expense | 1,324,000 | 2,673,000 | 3,967,000 | 5,123,000 |
| Provision for loan losses | 95,000 | 355,000 | 1,240,000 | 1,335,000 |
| Pretax income | 338,000 | 553,000 | 108,000 | 583,000 |
| Income tax | 119,000 | 156,000 | 36,000 | 215,000 |
| Net income | 219,000 | 397,000 | 72,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,563,000 | 13,756,000 | 13,444,000 | 13,753,000 |
| Total capital | 14,926,000 | 15,262,000 | 15,164,000 | 15,519,000 |
| Risk-weighted assets | 134,229,000 | 141,944,000 | 137,767,000 | 141,137,000 |