Call reports 2014
CLARKSTON STATE BANK — 2014
What CLARKSTON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 132,021,000 | 133,423,000 | 140,648,000 | 143,254,000 |
| Total loans | 105,146,000 | 110,379,000 | 112,314,000 | 114,680,000 |
| Allowance for loan losses | 1,821,000 | 1,842,000 | 1,853,000 | 1,873,000 |
| Securities available for sale | 6,421,000 | 6,191,000 | 5,828,000 | 5,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,578,000 | 116,578,000 | 123,820,000 | 125,451,000 |
| Interest-bearing deposits | 68,706,000 | 71,688,000 | 69,057,000 | 72,449,000 |
| Noninterest-bearing deposits | 46,872,000 | 44,890,000 | 54,763,000 | 53,002,000 |
| Equity capital | 16,035,000 | 16,469,000 | 16,397,000 | 17,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,456,000 | 2,932,000 | 4,439,000 | 5,944,000 |
| Interest expense | 54,000 | 105,000 | 157,000 | 210,000 |
| Net interest income | 1,402,000 | 2,827,000 | 4,282,000 | 5,734,000 |
| Noninterest income | 275,000 | 426,000 | 596,000 | 785,000 |
| Noninterest expense | 1,262,000 | 2,474,000 | 3,680,000 | 4,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 415,000 | 779,000 | 1,198,000 | 1,589,000 |
| Income tax | 0 | 0 | 0 | -485,000 |
| Net income | 415,000 | 779,000 | 1,198,000 | 2,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,336,000 | 11,719,000 | 11,655,000 | 12,005,000 |
| Total capital | 12,765,000 | 13,214,000 | 13,189,000 | 13,559,000 |
| Risk-weighted assets | 113,889,000 | 119,281,000 | 122,432,000 | 124,002,000 |