Call reports 2010
SAINT CLAIR STATE BANK (INCORPORATED) — 2010
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,884,000 | 67,175,000 | 67,267,000 | 68,383,000 |
| Total loans | 44,717,000 | 45,956,000 | 46,205,000 | 47,215,000 |
| Allowance for loan losses | 576,000 | 599,000 | 617,000 | 647,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 618,000 | 519,000 | 499,000 | 478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,401,000 | 58,409,000 | 58,245,000 | 59,464,000 |
| Interest-bearing deposits | 52,562,000 | 53,664,000 | 53,525,000 | 53,904,000 |
| Noninterest-bearing deposits | 4,839,000 | 4,745,000 | 4,720,000 | 5,560,000 |
| Equity capital | 8,044,000 | 8,328,000 | 8,600,000 | 8,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,655,000 | 2,491,000 | 3,319,000 |
| Interest expense | 287,000 | 567,000 | 838,000 | 1,096,000 |
| Net interest income | 529,000 | 1,088,000 | 1,653,000 | 2,223,000 |
| Noninterest income | 50,000 | 108,000 | 164,000 | 214,000 |
| Noninterest expense | 223,000 | 466,000 | 715,000 | 1,417,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 90,000 |
| Pretax income | 336,000 | 690,000 | 1,042,000 | 930,000 |
| Income tax | 76,000 | 146,000 | 226,000 | 367,000 |
| Net income | 260,000 | 544,000 | 816,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,044,000 | 8,328,000 | 8,600,000 | 8,347,000 |
| Total capital | 8,620,000 | 8,927,000 | 9,192,000 | 8,950,000 |
| Risk-weighted assets | 46,632,000 | 48,451,000 | 47,309,000 | 48,212,000 |
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