Call reports 2007
CLARKSTON STATE BANK — 2007
What CLARKSTON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 186,812,000 | 177,030,000 | 174,913,000 | 168,731,000 |
| Total loans | 141,915,000 | 136,805,000 | 134,276,000 | 129,457,000 |
| Allowance for loan losses | 2,445,000 | 1,582,000 | 2,609,000 | 2,304,000 |
| Securities available for sale | 33,642,000 | 31,316,000 | 30,835,000 | 28,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,996,000 | 148,180,000 | 151,209,000 | 150,329,000 |
| Interest-bearing deposits | 137,324,000 | 126,414,000 | 128,522,000 | 127,405,000 |
| Noninterest-bearing deposits | 19,672,000 | 21,766,000 | 22,687,000 | 22,924,000 |
| Equity capital | 13,684,000 | 13,564,000 | 12,368,000 | 12,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,141,000 | 6,181,000 | 8,955,000 | 11,539,000 |
| Interest expense | 1,599,000 | 3,127,000 | 4,614,000 | 6,030,000 |
| Net interest income | 1,542,000 | 3,054,000 | 4,341,000 | 5,509,000 |
| Noninterest income | 227,000 | 470,000 | 717,000 | 630,000 |
| Noninterest expense | 1,439,000 | 2,844,000 | 4,235,000 | 5,915,000 |
| Provision for loan losses | 0 | 57,000 | 2,613,000 | 5,270,000 |
| Pretax income | 328,000 | 621,000 | -1,792,000 | -5,252,000 |
| Income tax | 78,000 | 167,000 | -713,000 | -1,901,000 |
| Net income | 250,000 | 454,000 | -1,079,000 | -3,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,128,000 | 14,332,000 | 11,673,000 | 10,164,000 |
| Total capital | 16,054,000 | 15,914,000 | 13,524,000 | 11,911,000 |
| Risk-weighted assets | 153,556,000 | 147,983,000 | 147,292,000 | 139,185,000 |