Call reports 2016
CLARKSTON STATE BANK — 2016
What CLARKSTON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 180,881,000 | 175,589,000 | 175,499,000 | 177,668,000 |
| Total loans | 137,276,000 | 139,425,000 | 149,027,000 | 151,887,000 |
| Allowance for loan losses | 1,544,000 | 1,558,000 | 1,593,000 | 1,767,000 |
| Securities available for sale | 9,319,000 | 9,921,000 | 10,558,000 | 8,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,353,000 | 156,525,000 | 153,537,000 | 157,910,000 |
| Interest-bearing deposits | 76,387,000 | 72,110,000 | 69,839,000 | 77,624,000 |
| Noninterest-bearing deposits | 85,966,000 | 84,415,000 | 83,698,000 | 80,286,000 |
| Equity capital | 18,233,000 | 18,633,000 | 18,940,000 | 19,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,662,000 | 3,385,000 | 5,102,000 | 6,886,000 |
| Interest expense | 45,000 | 88,000 | 130,000 | 185,000 |
| Net interest income | 1,617,000 | 3,297,000 | 4,972,000 | 6,701,000 |
| Noninterest income | 133,000 | 283,000 | 473,000 | 724,000 |
| Noninterest expense | 1,354,000 | 2,607,000 | 3,783,000 | 4,875,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 50,000 |
| Pretax income | 396,000 | 973,000 | 1,632,000 | 2,512,000 |
| Income tax | 152,000 | 366,000 | 607,000 | 930,000 |
| Net income | 244,000 | 607,000 | 1,025,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,032,000 | 14,563,000 | 15,078,000 | 15,991,000 |
| Total capital | 15,576,000 | 16,121,000 | 16,671,000 | 17,758,000 |
| Risk-weighted assets | 146,662,000 | 150,635,000 | 157,797,000 | 159,761,000 |