Call reports 2018
CLARKSTON STATE BANK — 2018
What CLARKSTON STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 200,699,000 | 201,553,000 | 207,364,000 | 210,710,000 |
| Total loans | 177,083,000 | 181,764,000 | 183,003,000 | 192,075,000 |
| Allowance for loan losses | 2,054,000 | 2,058,000 | 2,061,000 | 2,064,000 |
| Securities available for sale | 7,539,000 | 7,133,000 | 6,709,000 | 6,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,387,000 | 180,545,000 | 185,827,000 | 178,311,000 |
| Interest-bearing deposits | 97,862,000 | 97,829,000 | 99,982,000 | 98,007,000 |
| Noninterest-bearing deposits | 82,525,000 | 82,716,000 | 85,845,000 | 80,304,000 |
| Equity capital | 19,942,000 | 20,498,000 | 21,025,000 | 21,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,049,000 | 6,237,000 | 8,502,000 |
| Interest expense | 179,000 | 394,000 | 674,000 | 962,000 |
| Net interest income | 1,813,000 | 3,655,000 | 5,563,000 | 7,540,000 |
| Noninterest income | 125,000 | 367,000 | 527,000 | 643,000 |
| Noninterest expense | 1,265,000 | 2,500,000 | 3,736,000 | 4,960,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 673,000 | 1,522,000 | 2,354,000 | 3,223,000 |
| Income tax | 140,000 | 312,000 | 492,000 | 664,000 |
| Net income | 533,000 | 1,210,000 | 1,862,000 | 2,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,452,000 | 19,205,000 | 19,944,000 | 20,950,000 |
| Total capital | 20,506,000 | 21,263,000 | 22,005,000 | 23,014,000 |
| Risk-weighted assets | 181,060,000 | 186,126,000 | 187,534,000 | 196,648,000 |