Call reports 2016
SAINT CLAIR STATE BANK (INCORPORATED) — 2016
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 84,940,000 | 85,120,000 | 88,567,000 | 90,273,000 |
| Total loans | 66,233,000 | 66,852,000 | 68,001,000 | 68,831,000 |
| Allowance for loan losses | 1,050,000 | 1,080,000 | 1,111,000 | 1,141,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,463,000 | 2,458,000 | 2,809,000 | 2,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,422,000 | 74,618,000 | 77,778,000 | 79,443,000 |
| Interest-bearing deposits | 65,999,000 | 65,968,000 | 66,509,000 | 66,529,000 |
| Noninterest-bearing deposits | 8,423,000 | 8,650,000 | 11,269,000 | 12,914,000 |
| Equity capital | 10,320,000 | 10,286,000 | 10,549,000 | 10,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,861,000 | 2,806,000 | 3,736,000 |
| Interest expense | 153,000 | 312,000 | 478,000 | 649,000 |
| Net interest income | 783,000 | 1,549,000 | 2,328,000 | 3,087,000 |
| Noninterest income | 36,000 | 70,000 | 107,000 | 140,000 |
| Noninterest expense | 250,000 | 560,000 | 825,000 | 1,514,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 539,000 | 999,000 | 1,520,000 | 1,593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 539,000 | 999,000 | 1,520,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,320,000 | 10,286,000 | 10,549,000 | 10,590,000 |
| Total capital | 11,168,000 | 11,135,000 | 11,434,000 | 11,488,000 |
| Risk-weighted assets | 67,562,000 | 67,645,000 | 70,552,000 | 71,621,000 |