Call reports 2011
SAINT CLAIR STATE BANK (INCORPORATED) — 2011
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 69,266,000 | 70,656,000 | 70,466,000 | 72,967,000 |
| Total loans | 46,588,000 | 47,118,000 | 46,816,000 | 50,598,000 |
| Allowance for loan losses | 662,000 | 693,000 | 723,000 | 743,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 212,000 | 506,000 | 482,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,446,000 | 61,648,000 | 61,181,000 | 62,231,000 |
| Interest-bearing deposits | 51,224,000 | 55,365,000 | 55,317,000 | 55,889,000 |
| Noninterest-bearing deposits | 9,222,000 | 6,283,000 | 5,864,000 | 6,342,000 |
| Equity capital | 8,382,000 | 8,652,000 | 8,940,000 | 8,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,631,000 | 2,440,000 | 3,252,000 |
| Interest expense | 243,000 | 478,000 | 706,000 | 927,000 |
| Net interest income | 561,000 | 1,153,000 | 1,734,000 | 2,325,000 |
| Noninterest income | 55,000 | 106,000 | 158,000 | 177,000 |
| Noninterest expense | 216,000 | 469,000 | 695,000 | 1,379,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 370,000 | 730,000 | 1,107,000 | 1,013,000 |
| Income tax | 85,000 | 175,000 | 264,000 | 385,000 |
| Net income | 285,000 | 555,000 | 843,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,382,000 | 8,652,000 | 8,940,000 | 8,725,000 |
| Total capital | 8,983,000 | 9,276,000 | 9,561,000 | 9,381,000 |
| Risk-weighted assets | 48,790,000 | 50,689,000 | 49,613,000 | 52,389,000 |
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