Call reports 2019
SAINT CLAIR STATE BANK (INCORPORATED) — 2019
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 95,784,000 | 93,245,000 | 95,206,000 | 97,707,000 |
| Total loans | 72,581,000 | 76,864,000 | 74,891,000 | 75,603,000 |
| Allowance for loan losses | 1,390,000 | 1,420,000 | 1,444,000 | 1,459,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,587,000 | 1,387,000 | 1,340,000 | 1,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,365,000 | 83,180,000 | 84,813,000 | 87,328,000 |
| Interest-bearing deposits | 68,089,000 | 68,052,000 | 74,117,000 | 75,328,000 |
| Noninterest-bearing deposits | 16,276,000 | 15,128,000 | 10,697,000 | 12,000,000 |
| Equity capital | 11,070,000 | 9,658,000 | 9,981,000 | 9,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,254,000 | 3,436,000 | 4,582,000 |
| Interest expense | 252,000 | 527,000 | 809,000 | 1,088,000 |
| Net interest income | 833,000 | 1,727,000 | 2,627,000 | 3,494,000 |
| Noninterest income | 35,000 | 89,000 | 136,000 | 183,000 |
| Noninterest expense | 343,000 | 700,000 | 1,019,000 | 1,826,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 495,000 | 1,056,000 | 1,654,000 | 1,731,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 495,000 | 1,056,000 | 1,654,000 | 1,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,070,000 | 9,659,000 | 9,981,000 | 9,938,000 |
| Total capital | 12,429,000 | 10,613,000 | 10,968,000 | 10,958,000 |
| Risk-weighted assets | 108,705,000 | 75,855,000 | 78,495,000 | 81,041,000 |