Call reports 2012
SAINT CLAIR STATE BANK (INCORPORATED) — 2012
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 73,125,000 | 73,906,000 | 75,055,000 | 75,938,000 |
| Total loans | 49,147,000 | 49,972,000 | 50,719,000 | 51,743,000 |
| Allowance for loan losses | 771,000 | 781,000 | 806,000 | 827,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 410,000 | 719,000 | 1,031,000 | 1,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,055,000 | 64,527,000 | 65,446,000 | 65,968,000 |
| Interest-bearing deposits | 57,610,000 | 57,863,000 | 58,333,000 | 57,874,000 |
| Noninterest-bearing deposits | 6,445,000 | 6,664,000 | 7,113,000 | 8,094,000 |
| Equity capital | 8,769,000 | 9,060,000 | 9,312,000 | 9,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,649,000 | 2,468,000 | 3,256,000 |
| Interest expense | 217,000 | 424,000 | 629,000 | 826,000 |
| Net interest income | 600,000 | 1,225,000 | 1,839,000 | 2,430,000 |
| Noninterest income | 55,000 | 113,000 | 168,000 | 207,000 |
| Noninterest expense | 212,000 | 439,000 | 704,000 | 1,381,000 |
| Provision for loan losses | 15,000 | 35,000 | 55,000 | 75,000 |
| Pretax income | 428,000 | 864,000 | 1,248,000 | 1,181,000 |
| Income tax | 134,000 | 279,000 | 411,000 | 512,000 |
| Net income | 294,000 | 585,000 | 837,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,769,000 | 9,060,000 | 9,312,000 | 9,144,000 |
| Total capital | 9,415,000 | 9,736,000 | 9,973,000 | 9,807,000 |
| Risk-weighted assets | 52,552,000 | 53,958,000 | 52,776,000 | 52,838,000 |
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