Call reports 2019
CLARKSTON STATE BANK — 2019
What CLARKSTON STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 218,314,000 | 220,156,000 | 227,816,000 | 232,036,000 |
| Total loans | 194,630,000 | 202,186,000 | 205,747,000 | 201,289,000 |
| Allowance for loan losses | 2,064,000 | 2,065,000 | 2,065,000 | 2,066,000 |
| Securities available for sale | 6,182,000 | 5,910,000 | 5,624,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,701,000 | 188,003,000 | 203,460,000 | 207,270,000 |
| Interest-bearing deposits | 110,992,000 | 111,759,000 | 124,318,000 | 121,308,000 |
| Noninterest-bearing deposits | 84,709,000 | 76,244,000 | 79,142,000 | 85,962,000 |
| Equity capital | 22,269,000 | 23,001,000 | 23,712,000 | 23,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,358,000 | 4,889,000 | 7,526,000 | 10,248,000 |
| Interest expense | 336,000 | 764,000 | 1,253,000 | 1,724,000 |
| Net interest income | 2,022,000 | 4,125,000 | 6,273,000 | 8,524,000 |
| Noninterest income | 109,000 | 267,000 | 377,000 | 470,000 |
| Noninterest expense | 1,337,000 | 2,629,000 | 3,902,000 | 6,111,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 794,000 | 1,763,000 | 2,748,000 | 2,821,000 |
| Income tax | 169,000 | 374,000 | 579,000 | 586,000 |
| Net income | 625,000 | 1,389,000 | 2,169,000 | 2,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,636,000 | 22,370,000 | 23,300,000 | 23,701,000 |
| Total capital | 23,700,000 | 24,435,000 | 25,365,000 | 25,767,000 |
| Risk-weighted assets | 200,230,000 | 205,496,000 | 212,523,000 | 211,663,000 |