Call reports 2017
CLARKSTON STATE BANK — 2017
What CLARKSTON STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 184,533,000 | 190,149,000 | 202,357,000 | 192,394,000 |
| Total loans | 162,334,000 | 167,816,000 | 171,648,000 | 172,586,000 |
| Allowance for loan losses | 1,816,000 | 1,957,000 | 2,004,000 | 2,052,000 |
| Securities available for sale | 8,129,000 | 7,795,000 | 7,337,000 | 6,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,682,000 | 165,792,000 | 181,415,000 | 171,678,000 |
| Interest-bearing deposits | 81,960,000 | 89,542,000 | 101,343,000 | 94,515,000 |
| Noninterest-bearing deposits | 82,722,000 | 76,250,000 | 80,072,000 | 77,163,000 |
| Equity capital | 19,522,000 | 20,257,000 | 20,578,000 | 19,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,690,000 | 5,661,000 | 7,666,000 |
| Interest expense | 75,000 | 198,000 | 359,000 | 535,000 |
| Net interest income | 1,720,000 | 3,492,000 | 5,302,000 | 7,131,000 |
| Noninterest income | 167,000 | 439,000 | 553,000 | 659,000 |
| Noninterest expense | 1,219,000 | 2,368,000 | 3,561,000 | 4,873,000 |
| Provision for loan losses | 45,000 | -310,000 | -265,000 | -220,000 |
| Pretax income | 623,000 | 1,873,000 | 2,559,000 | 3,137,000 |
| Income tax | 212,000 | 653,000 | 888,000 | 2,277,000 |
| Net income | 411,000 | 1,220,000 | 1,671,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,409,000 | 17,376,000 | 17,911,000 | 18,159,000 |
| Total capital | 18,226,000 | 19,333,000 | 19,915,000 | 20,211,000 |
| Risk-weighted assets | 168,993,000 | 175,694,000 | 178,996,000 | 179,476,000 |