Call reports 2013
SAINT CLAIR STATE BANK (INCORPORATED) — 2013
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,377,000 | 81,719,000 | 80,420,000 | 82,181,000 |
| Total loans | 49,526,000 | 49,593,000 | 52,714,000 | 55,889,000 |
| Allowance for loan losses | 843,000 | 845,000 | 835,000 | 835,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,349,000 | 2,041,000 | 2,585,000 | 2,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,878,000 | 71,865,000 | 69,368,000 | 68,156,000 |
| Interest-bearing deposits | 64,477,000 | 64,651,000 | 62,261,000 | 60,547,000 |
| Noninterest-bearing deposits | 7,401,000 | 7,214,000 | 7,107,000 | 7,609,000 |
| Equity capital | 9,236,000 | 9,595,000 | 10,002,000 | 9,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 777,000 | 1,567,000 | 2,363,000 | 3,192,000 |
| Interest expense | 191,000 | 373,000 | 543,000 | 705,000 |
| Net interest income | 586,000 | 1,194,000 | 1,820,000 | 2,487,000 |
| Noninterest income | 44,000 | 85,000 | 126,000 | 223,000 |
| Noninterest expense | 224,000 | 510,000 | 769,000 | 1,409,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 391,000 | 749,000 | 1,157,000 | 1,281,000 |
| Income tax | 24,000 | 24,000 | 24,000 | 24,000 |
| Net income | 367,000 | 725,000 | 1,133,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,236,000 | 9,595,000 | 10,002,000 | 9,737,000 |
| Total capital | 9,951,000 | 10,295,000 | 10,687,000 | 10,451,000 |
| Risk-weighted assets | 57,077,000 | 55,897,000 | 54,641,000 | 56,963,000 |
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