Call reports 2017
SAINT CLAIR STATE BANK (INCORPORATED) — 2017
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 89,766,000 | 88,618,000 | 91,889,000 | 90,956,000 |
| Total loans | 68,162,000 | 70,174,000 | 70,001,000 | 69,325,000 |
| Allowance for loan losses | 1,172,000 | 1,203,000 | 1,217,000 | 1,238,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,597,000 | 2,945,000 | 2,895,000 | 2,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,087,000 | 77,907,000 | 80,836,000 | 79,873,000 |
| Interest-bearing deposits | 69,585,000 | 67,315,000 | 69,517,000 | 68,537,000 |
| Noninterest-bearing deposits | 9,502,000 | 10,592,000 | 11,319,000 | 11,336,000 |
| Equity capital | 10,439,000 | 10,459,000 | 10,780,000 | 10,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,895,000 | 2,904,000 | 3,881,000 |
| Interest expense | 172,000 | 349,000 | 532,000 | 717,000 |
| Net interest income | 751,000 | 1,546,000 | 2,372,000 | 3,164,000 |
| Noninterest income | 29,000 | 61,000 | 98,000 | 144,000 |
| Noninterest expense | 276,000 | 596,000 | 858,000 | 1,558,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 474,000 | 951,000 | 1,522,000 | 1,630,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 474,000 | 951,000 | 1,522,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,439,000 | 10,459,000 | 10,780,000 | 10,819,000 |
| Total capital | 11,314,000 | 11,321,000 | 11,665,000 | 11,677,000 |
| Risk-weighted assets | 69,701,000 | 68,596,000 | 70,443,000 | 68,225,000 |