Call reports 2022
SAINT CLAIR STATE BANK (INCORPORATED) — 2022
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 110,102,000 | 113,788,000 | 112,502,000 | 112,064,000 |
| Total loans | 75,009,000 | 75,152,000 | 73,249,000 | 80,650,000 |
| Allowance for loan losses | 1,675,000 | 1,693,000 | 1,694,000 | 1,687,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,691,000 | 6,355,000 | 7,442,000 | 7,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,626,000 | 102,285,000 | 100,589,000 | 100,190,000 |
| Interest-bearing deposits | 81,702,000 | 81,228,000 | 79,255,000 | 81,910,000 |
| Noninterest-bearing deposits | 16,924,000 | 21,057,000 | 21,334,000 | 18,280,000 |
| Equity capital | 11,113,000 | 11,152,000 | 11,727,000 | 11,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,788,000 | 3,045,000 | 4,248,000 |
| Interest expense | 160,000 | 309,000 | 463,000 | 681,000 |
| Net interest income | 728,000 | 1,479,000 | 2,582,000 | 3,567,000 |
| Noninterest income | 48,000 | 98,000 | 153,000 | 205,000 |
| Noninterest expense | 347,000 | 758,000 | 1,128,000 | 2,053,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 406,000 | 774,000 | 1,562,000 | 1,685,000 |
| Income tax | 30,000 | 48,000 | 105,000 | 143,000 |
| Net income | 376,000 | 726,000 | 1,457,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,113,000 | 11,152,000 | 11,727,000 | 11,648,000 |