Call reports 2010
CLARKSTON STATE BANK — 2010
What CLARKSTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 110,372,000 | 106,685,000 | 102,060,000 | 103,629,000 |
| Total loans | 87,051,000 | 83,231,000 | 81,864,000 | 80,160,000 |
| Allowance for loan losses | 3,666,000 | 2,966,000 | 3,075,000 | 2,566,000 |
| Securities available for sale | 11,972,000 | 8,787,000 | 8,320,000 | 8,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,036,000 | 101,615,000 | 97,351,000 | 100,917,000 |
| Interest-bearing deposits | 83,601,000 | 80,596,000 | 76,165,000 | 80,515,000 |
| Noninterest-bearing deposits | 21,435,000 | 21,019,000 | 21,186,000 | 20,402,000 |
| Equity capital | 2,997,000 | 2,790,000 | 2,378,000 | 2,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,785,000 | 4,136,000 | 5,456,000 |
| Interest expense | 421,000 | 780,000 | 1,070,000 | 1,297,000 |
| Net interest income | 989,000 | 2,005,000 | 3,066,000 | 4,159,000 |
| Noninterest income | 208,000 | 355,000 | 536,000 | 645,000 |
| Noninterest expense | 1,246,000 | 2,446,000 | 3,649,000 | 4,816,000 |
| Provision for loan losses | 50,000 | 260,000 | 910,000 | 910,000 |
| Pretax income | -66,000 | -296,000 | -907,000 | -817,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -66,000 | -296,000 | -907,000 | -817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,429,000 | 2,226,000 | 2,231,000 | 2,354,000 |
| Total capital | 3,625,000 | 3,398,000 | 3,383,000 | 3,486,000 |
| Risk-weighted assets | 93,213,000 | 91,961,000 | 90,337,000 | 89,117,000 |