Call reports 2021
SAINT CLAIR STATE BANK (INCORPORATED) — 2021
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 106,696,000 | 105,608,000 | 107,963,000 | 107,169,000 |
| Total loans | 73,858,000 | 73,939,000 | 75,404,000 | 81,224,000 |
| Allowance for loan losses | 1,571,000 | 1,580,000 | 1,612,000 | 1,644,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,919,000 | 4,074,000 | 4,501,000 | 4,716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,613,000 | 94,517,000 | 96,542,000 | 95,978,000 |
| Interest-bearing deposits | 79,246,000 | 78,787,000 | 80,834,000 | 81,013,000 |
| Noninterest-bearing deposits | 16,368,000 | 15,730,000 | 15,708,000 | 14,965,000 |
| Equity capital | 10,804,000 | 10,819,000 | 11,139,000 | 10,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,956,000 | 2,948,000 | 3,978,000 |
| Interest expense | 226,000 | 428,000 | 624,000 | 811,000 |
| Net interest income | 758,000 | 1,528,000 | 2,324,000 | 3,167,000 |
| Noninterest income | 44,000 | 92,000 | 154,000 | 203,000 |
| Noninterest expense | 350,000 | 730,000 | 1,087,000 | 1,973,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 422,000 | 830,000 | 1,301,000 | 1,277,000 |
| Income tax | 0 | 0 | 0 | 140,000 |
| Net income | 422,000 | 830,000 | 1,301,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,804,000 | 10,820,000 | 11,139,000 | 10,736,000 |
| Total capital | — | 11,747,000 | 12,081,000 | — |
| Risk-weighted assets | — | 73,410,000 | 74,646,000 | — |