Call reports 2011
CLARKSTON STATE BANK — 2011
What CLARKSTON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 110,426,000 | 111,365,000 | 114,651,000 | 114,261,000 |
| Total loans | 81,028,000 | 85,430,000 | 89,788,000 | 88,081,000 |
| Allowance for loan losses | 2,560,000 | 2,203,000 | 2,161,000 | 2,865,000 |
| Securities available for sale | 11,670,000 | 10,341,000 | 9,929,000 | 9,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,417,000 | 100,745,000 | 104,187,000 | 105,322,000 |
| Interest-bearing deposits | 77,670,000 | 77,276,000 | 79,363,000 | 80,993,000 |
| Noninterest-bearing deposits | 22,747,000 | 23,469,000 | 24,824,000 | 24,329,000 |
| Equity capital | 9,755,000 | 10,282,000 | 10,170,000 | 8,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,680,000 | 3,999,000 | 5,443,000 |
| Interest expense | 205,000 | 386,000 | 555,000 | 705,000 |
| Net interest income | 1,105,000 | 2,294,000 | 3,444,000 | 4,738,000 |
| Noninterest income | 222,000 | 333,000 | 388,000 | -333,000 |
| Noninterest expense | 1,246,000 | 2,385,000 | 3,470,000 | 4,946,000 |
| Provision for loan losses | 0 | 0 | 275,000 | 2,859,000 |
| Pretax income | 81,000 | 297,000 | 142,000 | -3,345,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 297,000 | 142,000 | -3,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,664,000 | 10,186,000 | 10,037,000 | 8,568,000 |
| Total capital | 10,804,000 | 11,381,000 | 11,286,000 | 9,784,000 |
| Risk-weighted assets | 89,797,000 | 94,620,000 | 99,045,000 | 95,637,000 |