Call reports 2018
SAINT CLAIR STATE BANK (INCORPORATED) — 2018
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 90,824,000 | 88,651,000 | 89,404,000 | 93,286,000 |
| Total loans | 70,039,000 | 71,187,000 | 71,563,000 | 72,266,000 |
| Allowance for loan losses | 1,269,000 | 1,304,000 | 1,331,000 | 1,365,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,340,000 | 2,254,000 | 2,145,000 | 1,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,708,000 | 77,153,000 | 77,925,000 | 81,675,000 |
| Interest-bearing deposits | 64,018,000 | 62,095,000 | 63,789,000 | 66,056,000 |
| Noninterest-bearing deposits | 15,690,000 | 15,058,000 | 14,136,000 | 15,619,000 |
| Equity capital | 10,841,000 | 10,822,000 | 11,191,000 | 11,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,031,000 | 3,099,000 | 4,180,000 |
| Interest expense | 191,000 | 380,000 | 586,000 | 832,000 |
| Net interest income | 825,000 | 1,651,000 | 2,513,000 | 3,348,000 |
| Noninterest income | 35,000 | 75,000 | 121,000 | 171,000 |
| Noninterest expense | 298,000 | 648,000 | 889,000 | 1,711,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 532,000 | 1,018,000 | 1,660,000 | 1,693,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 532,000 | 1,018,000 | 1,660,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,841,000 | 10,315,000 | 11,190,000 | 11,275,000 |
| Total capital | 11,752,000 | 11,189,000 | 12,083,000 | 12,224,000 |
| Risk-weighted assets | 72,509,000 | 69,467,000 | 70,994,000 | 75,477,000 |