Call reports 2008
SAINT CLAIR STATE BANK (INCORPORATED) — 2008
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 60,014,000 | 60,908,000 | 60,909,000 | 62,027,000 |
| Total loans | 39,955,000 | 41,208,000 | 42,114,000 | 43,808,000 |
| Allowance for loan losses | 461,000 | 461,000 | 483,000 | 503,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,097,000 | 2,207,000 | 1,977,000 | 1,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,773,000 | 52,541,000 | 52,109,000 | 53,680,000 |
| Interest-bearing deposits | 47,291,000 | 47,880,000 | 47,357,000 | 48,443,000 |
| Noninterest-bearing deposits | 4,482,000 | 4,661,000 | 4,752,000 | 5,237,000 |
| Equity capital | 7,416,000 | 7,662,000 | 7,939,000 | 7,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,874,000 | 2,793,000 | 3,681,000 |
| Interest expense | 470,000 | 909,000 | 1,330,000 | 1,735,000 |
| Net interest income | 477,000 | 965,000 | 1,463,000 | 1,946,000 |
| Noninterest income | 56,000 | 115,000 | 170,000 | 227,000 |
| Noninterest expense | 221,000 | 453,000 | 638,000 | 1,318,000 |
| Provision for loan losses | 5,000 | 5,000 | 27,000 | 47,000 |
| Pretax income | 307,000 | 622,000 | 968,000 | 808,000 |
| Income tax | 69,000 | 138,000 | 207,000 | 249,000 |
| Net income | 238,000 | 484,000 | 761,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,416,000 | 7,662,000 | 7,939,000 | 7,737,000 |
| Total capital | 7,877,000 | 8,123,000 | 8,422,000 | 8,240,000 |
| Risk-weighted assets | 41,314,000 | 42,757,000 | 42,903,000 | 44,655,000 |
Machine access — free, no API key
Every figure shown here about SAINT CLAIR STATE BANK (INCORPORATED) — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.