Call reports 2024
SAINT CLAIR STATE BANK (INCORPORATED) — 2024
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 115,753,000 | 114,561,000 | 116,986,000 | 125,178,000 |
| Total loans | 88,210,000 | 90,937,000 | 91,259,000 | 96,913,000 |
| Allowance for loan losses | 1,683,000 | 1,688,000 | 1,699,000 | 1,656,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,659,000 | 6,396,000 | 5,990,000 | 5,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,174,000 | 100,679,000 | 102,579,000 | 110,877,000 |
| Interest-bearing deposits | 85,837,000 | 86,174,000 | 87,137,000 | 93,001,000 |
| Noninterest-bearing deposits | 16,337,000 | 14,505,000 | 15,442,000 | 17,876,000 |
| Equity capital | 12,760,000 | 12,935,000 | 13,374,000 | 13,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,127,000 | 4,800,000 | 6,524,000 |
| Interest expense | 582,000 | 1,205,000 | 1,864,000 | 2,548,000 |
| Net interest income | 955,000 | 1,922,000 | 2,936,000 | 3,976,000 |
| Noninterest income | 52,000 | 106,000 | 164,000 | 233,000 |
| Noninterest expense | 396,000 | 825,000 | 1,217,000 | 2,213,000 |
| Provision for loan losses | 0 | 4,000 | 16,000 | 28,000 |
| Pretax income | 612,000 | 1,196,000 | 1,865,000 | 1,970,000 |
| Income tax | 100,000 | 159,000 | 215,000 | 276,000 |
| Net income | 512,000 | 1,037,000 | 1,650,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,759,000 | 12,935,000 | 13,374,000 | 13,243,000 |