Call reports 2009
SAINT CLAIR STATE BANK (INCORPORATED) — 2009
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,263,000 | 62,863,000 | 64,409,000 | 67,036,000 |
| Total loans | 42,165,000 | 43,151,000 | 43,497,000 | 45,755,000 |
| Allowance for loan losses | 533,000 | 550,000 | 550,000 | 556,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,192,000 | 1,691,000 | 1,064,000 | 1,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,874,000 | 54,285,000 | 55,672,000 | 57,230,000 |
| Interest-bearing deposits | 50,295,000 | 50,250,000 | 51,463,000 | 52,444,000 |
| Noninterest-bearing deposits | 4,579,000 | 4,035,000 | 4,209,000 | 4,786,000 |
| Equity capital | 7,736,000 | 7,950,000 | 8,193,000 | 8,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,730,000 | 2,563,000 | 3,410,000 |
| Interest expense | 376,000 | 731,000 | 1,066,000 | 1,376,000 |
| Net interest income | 497,000 | 999,000 | 1,497,000 | 2,034,000 |
| Noninterest income | 50,000 | 100,000 | 153,000 | 206,000 |
| Noninterest expense | 201,000 | 452,000 | 678,000 | 1,349,000 |
| Provision for loan losses | 30,000 | 50,000 | 65,000 | 75,000 |
| Pretax income | 316,000 | 597,000 | 907,000 | 816,000 |
| Income tax | 68,000 | 135,000 | 202,000 | 269,000 |
| Net income | 248,000 | 462,000 | 705,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,736,000 | 7,950,000 | 8,193,000 | 8,034,000 |
| Total capital | 8,269,000 | 8,500,000 | 8,743,000 | 8,590,000 |
| Risk-weighted assets | 44,087,000 | 44,472,000 | 45,542,000 | 46,997,000 |
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