Call reports 2015
CLARKSTON STATE BANK — 2015
What CLARKSTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,467,000 | 145,644,000 | 155,559,000 | 171,060,000 |
| Total loans | 113,946,000 | 119,898,000 | 122,388,000 | 127,028,000 |
| Allowance for loan losses | 1,771,000 | 1,785,000 | 1,801,000 | 1,529,000 |
| Securities available for sale | 7,441,000 | 7,084,000 | 6,764,000 | 9,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,367,000 | 127,943,000 | 137,329,000 | 152,678,000 |
| Interest-bearing deposits | 75,901,000 | 74,255,000 | 74,312,000 | 69,959,000 |
| Noninterest-bearing deposits | 52,466,000 | 53,688,000 | 63,017,000 | 82,719,000 |
| Equity capital | 17,680,000 | 17,305,000 | 17,695,000 | 17,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 2,942,000 | 4,471,000 | 6,025,000 |
| Interest expense | 52,000 | 108,000 | 161,000 | 209,000 |
| Net interest income | 1,417,000 | 2,834,000 | 4,310,000 | 5,816,000 |
| Noninterest income | 440,000 | 580,000 | 894,000 | 758,000 |
| Noninterest expense | 1,341,000 | 2,529,000 | 3,735,000 | 4,967,000 |
| Provision for loan losses | 0 | 0 | 0 | -275,000 |
| Pretax income | 516,000 | 919,000 | 1,503,000 | 1,916,000 |
| Income tax | 175,000 | 310,000 | 503,000 | 642,000 |
| Net income | 341,000 | 609,000 | 1,000,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,169,000 | 11,969,000 | 12,556,000 | 12,972,000 |
| Total capital | 13,729,000 | 13,598,000 | 14,309,000 | 14,501,000 |
| Risk-weighted assets | 124,677,000 | 130,155,000 | 137,099,000 | 142,464,000 |