Call reports 2020
SAINT CLAIR STATE BANK (INCORPORATED) — 2020
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 97,988,000 | 98,910,000 | 101,590,000 | 106,236,000 |
| Total loans | 76,806,000 | 76,393,000 | 73,544,000 | 74,473,000 |
| Allowance for loan losses | 1,488,000 | 1,513,000 | 1,530,000 | 1,541,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,130,000 | 1,119,000 | 1,415,000 | 2,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,146,000 | 87,990,000 | 90,436,000 | 95,479,000 |
| Interest-bearing deposits | 75,138,000 | 75,286,000 | 76,675,000 | 78,453,000 |
| Noninterest-bearing deposits | 12,008,000 | 12,704,000 | 13,761,000 | 17,026,000 |
| Equity capital | 10,455,000 | 10,508,000 | 10,765,000 | 10,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,240,000 | 3,289,000 | 4,249,000 |
| Interest expense | 289,000 | 565,000 | 827,000 | 1,073,000 |
| Net interest income | 851,000 | 1,675,000 | 2,462,000 | 3,176,000 |
| Noninterest income | 44,000 | 96,000 | 139,000 | 181,000 |
| Noninterest expense | 348,000 | 722,000 | 1,072,000 | 1,930,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 517,000 | 989,000 | 1,439,000 | 1,307,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 517,000 | 989,000 | 1,439,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,455,000 | 10,507,000 | 10,764,000 | 10,381,000 |
| Total capital | 11,478,000 | 11,553,000 | 11,833,000 | — |
| Risk-weighted assets | 81,329,000 | 83,186,000 | 84,957,000 | — |