Call reports 2006
CLARKSTON STATE BANK — 2006
What CLARKSTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 184,048,000 | 190,149,000 | 190,025,000 | 191,066,000 |
| Total loans | 134,298,000 | 134,453,000 | 142,835,000 | 145,492,000 |
| Allowance for loan losses | 2,057,000 | 1,488,000 | 1,944,000 | 2,619,000 |
| Securities available for sale | 41,183,000 | 39,508,000 | 38,827,000 | 35,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,475,000 | 166,744,000 | 162,168,000 | 161,779,000 |
| Interest-bearing deposits | 132,994,000 | 140,569,000 | 141,017,000 | 139,110,000 |
| Noninterest-bearing deposits | 27,481,000 | 26,175,000 | 21,151,000 | 22,669,000 |
| Equity capital | 12,866,000 | 12,502,000 | 13,164,000 | 13,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,795,000 | 5,818,000 | 9,040,000 | 12,277,000 |
| Interest expense | 1,319,000 | 2,777,000 | 4,286,000 | 5,879,000 |
| Net interest income | 1,476,000 | 3,041,000 | 4,754,000 | 6,398,000 |
| Noninterest income | 219,000 | 372,000 | 530,000 | 717,000 |
| Noninterest expense | 1,196,000 | 2,409,000 | 3,624,000 | 4,841,000 |
| Provision for loan losses | 803,000 | 1,326,000 | 1,556,000 | 2,261,000 |
| Pretax income | -301,000 | -319,000 | 107,000 | -8,000 |
| Income tax | -132,000 | -156,000 | -34,000 | -64,000 |
| Net income | -169,000 | -163,000 | 141,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,598,000 | 13,616,000 | 13,929,000 | 13,878,000 |
| Total capital | 15,429,000 | 15,104,000 | 15,873,000 | 15,858,000 |
| Risk-weighted assets | 146,235,000 | 148,115,000 | 156,746,000 | 157,777,000 |