Call reports 2013
CLARKSTON STATE BANK — 2013
What CLARKSTON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 119,213,000 | 127,407,000 | 125,983,000 | 127,269,000 |
| Total loans | 97,525,000 | 99,103,000 | 103,656,000 | 104,836,000 |
| Allowance for loan losses | 2,490,000 | 2,309,000 | 2,333,000 | 1,821,000 |
| Securities available for sale | 7,159,000 | 7,476,000 | 7,013,000 | 6,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,016,000 | 115,961,000 | 114,106,000 | 111,338,000 |
| Interest-bearing deposits | 71,445,000 | 74,275,000 | 69,346,000 | 70,251,000 |
| Noninterest-bearing deposits | 36,571,000 | 41,686,000 | 44,760,000 | 41,087,000 |
| Equity capital | 10,988,000 | 11,260,000 | 11,652,000 | 15,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,740,000 | 4,175,000 | 5,642,000 |
| Interest expense | 85,000 | 164,000 | 233,000 | 294,000 |
| Net interest income | 1,255,000 | 2,576,000 | 3,942,000 | 5,348,000 |
| Noninterest income | 198,000 | 343,000 | 486,000 | 561,000 |
| Noninterest expense | 1,196,000 | 2,326,000 | 3,478,000 | 4,835,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | -410,000 |
| Pretax income | 227,000 | 533,000 | 890,000 | 1,484,000 |
| Income tax | 0 | 0 | 0 | -3,614,000 |
| Net income | 227,000 | 533,000 | 890,000 | 5,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,921,000 | 10,243,000 | 10,618,000 | 10,888,000 |
| Total capital | 11,245,000 | 11,597,000 | 12,018,000 | 12,295,000 |
| Risk-weighted assets | 104,729,000 | 107,361,000 | 111,052,000 | 112,149,000 |