Call reports 2023
SAINT CLAIR STATE BANK (INCORPORATED) — 2023
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 111,131,000 | 109,911,000 | 112,740,000 | 116,841,000 |
| Total loans | 77,142,000 | 79,565,000 | 82,830,000 | 91,117,000 |
| Allowance for loan losses | 1,689,000 | 1,682,000 | 1,682,000 | 1,682,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,016,000 | 7,253,000 | 7,548,000 | 6,902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,789,000 | 97,082,000 | 99,293,000 | 99,929,000 |
| Interest-bearing deposits | 82,314,000 | 82,059,000 | 82,449,000 | 83,963,000 |
| Noninterest-bearing deposits | 16,475,000 | 15,023,000 | 16,844,000 | 15,966,000 |
| Equity capital | 12,076,000 | 12,412,000 | 12,820,000 | 12,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,507,000 | 3,895,000 | 5,382,000 |
| Interest expense | 316,000 | 702,000 | 1,137,000 | 1,652,000 |
| Net interest income | 900,000 | 1,805,000 | 2,758,000 | 3,730,000 |
| Noninterest income | 72,000 | 209,000 | 265,000 | 334,000 |
| Noninterest expense | 375,000 | 830,000 | 1,172,000 | 2,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 603,000 | 1,199,000 | 1,863,000 | 1,909,000 |
| Income tax | 0 | 85,000 | 127,000 | 170,000 |
| Net income | 603,000 | 1,114,000 | 1,736,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,076,000 | 12,412,000 | 12,820,000 | 12,648,000 |