Call reports 2012
CLARKSTON STATE BANK — 2012
What CLARKSTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 121,194,000 | 118,881,000 | 123,095,000 | 123,446,000 |
| Total loans | 92,482,000 | 93,625,000 | 91,279,000 | 92,812,000 |
| Allowance for loan losses | 2,585,000 | 2,625,000 | 2,471,000 | 2,438,000 |
| Securities available for sale | 5,095,000 | 6,423,000 | 8,384,000 | 7,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,129,000 | 109,613,000 | 113,533,000 | 112,550,000 |
| Interest-bearing deposits | 81,304,000 | 79,381,000 | 78,931,000 | 73,914,000 |
| Noninterest-bearing deposits | 30,825,000 | 30,232,000 | 34,602,000 | 38,636,000 |
| Equity capital | 8,852,000 | 9,095,000 | 9,348,000 | 10,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,807,000 | 4,204,000 | 5,582,000 |
| Interest expense | 132,000 | 253,000 | 365,000 | 459,000 |
| Net interest income | 1,251,000 | 2,554,000 | 3,839,000 | 5,123,000 |
| Noninterest income | 153,000 | 303,000 | 489,000 | 674,000 |
| Noninterest expense | 1,232,000 | 2,403,000 | 3,596,000 | 5,140,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 187,000 | 517,000 | 766,000 | 674,000 |
| Income tax | 0 | 0 | 0 | -1,500,000 |
| Net income | 187,000 | 517,000 | 766,000 | 2,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,755,000 | 9,085,000 | 9,350,000 | 9,618,000 |
| Total capital | 10,024,000 | 10,370,000 | 10,618,000 | 10,897,000 |
| Risk-weighted assets | 100,173,000 | 101,427,000 | 100,233,000 | 101,189,000 |