Call reports 2014
SAINT CLAIR STATE BANK (INCORPORATED) — 2014
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 81,190,000 | 80,316,000 | 80,605,000 | 85,103,000 |
| Total loans | 53,181,000 | 54,607,000 | 57,178,000 | 63,341,000 |
| Allowance for loan losses | 849,000 | 844,000 | 861,000 | 885,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,417,000 | 2,672,000 | 2,654,000 | 2,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,114,000 | 70,086,000 | 70,011,000 | 69,602,000 |
| Interest-bearing deposits | 62,385,000 | 63,018,000 | 62,801,000 | 60,728,000 |
| Noninterest-bearing deposits | 8,729,000 | 7,068,000 | 7,210,000 | 8,874,000 |
| Equity capital | 9,874,000 | 10,014,000 | 10,369,000 | 10,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,597,000 | 2,425,000 | 3,273,000 |
| Interest expense | 157,000 | 315,000 | 471,000 | 625,000 |
| Net interest income | 643,000 | 1,282,000 | 1,954,000 | 2,648,000 |
| Noninterest income | 42,000 | 77,000 | 120,000 | 157,000 |
| Noninterest expense | 233,000 | 503,000 | 741,000 | 1,299,000 |
| Provision for loan losses | 15,000 | 30,000 | 47,000 | 70,000 |
| Pretax income | 437,000 | 826,000 | 1,286,000 | 1,436,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 437,000 | 826,000 | 1,286,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,874,000 | 10,014,000 | 10,369,000 | 10,279,000 |
| Total capital | 10,588,000 | 10,715,000 | 11,101,000 | 11,055,000 |
| Risk-weighted assets | 56,964,000 | 56,050,000 | 58,410,000 | 62,418,000 |
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