Call reports 2015
SAINT CLAIR STATE BANK (INCORPORATED) — 2015
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 84,267,000 | 81,359,000 | 81,933,000 | 85,334,000 |
| Total loans | 59,427,000 | 62,222,000 | 63,143,000 | 64,141,000 |
| Allowance for loan losses | 916,000 | 940,000 | 976,000 | 998,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,327,000 | 2,413,000 | 2,193,000 | 2,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,963,000 | 70,814,000 | 71,367,000 | 74,699,000 |
| Interest-bearing deposits | 66,141,000 | 64,141,000 | 63,778,000 | 65,081,000 |
| Noninterest-bearing deposits | 7,822,000 | 6,673,000 | 7,589,000 | 9,618,000 |
| Equity capital | 10,100,000 | 10,090,000 | 10,347,000 | 10,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,717,000 | 2,598,000 | 3,479,000 |
| Interest expense | 150,000 | 300,000 | 448,000 | 600,000 |
| Net interest income | 704,000 | 1,417,000 | 2,150,000 | 2,879,000 |
| Noninterest income | 40,000 | 71,000 | 113,000 | 148,000 |
| Noninterest expense | 243,000 | 540,000 | 786,000 | 1,387,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 471,000 | 888,000 | 1,387,000 | 1,520,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 471,000 | 887,000 | 1,386,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,100,000 | 10,090,000 | 10,347,000 | 10,431,000 |
| Total capital | 10,894,000 | 10,859,000 | 11,138,000 | 11,265,000 |
| Risk-weighted assets | 63,419,000 | 61,363,000 | 63,133,000 | 66,546,000 |