Call reports 2025
SAINT CLAIR STATE BANK (INCORPORATED) — 2025
What SAINT CLAIR STATE BANK (INCORPORATED) reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 126,550,000 | 126,195,000 | 131,546,000 | 131,201,000 |
| Total loans | 93,433,000 | 94,443,000 | 94,625,000 | 98,933,000 |
| Allowance for loan losses | 1,668,000 | 1,539,000 | 1,539,000 | 1,239,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,831,000 | 3,958,000 | 3,963,000 | 3,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,064,000 | 111,455,000 | 116,251,000 | 115,921,000 |
| Interest-bearing deposits | 95,324,000 | 95,656,000 | 100,162,000 | 98,944,000 |
| Noninterest-bearing deposits | 16,740,000 | 15,799,000 | 16,089,000 | 16,977,000 |
| Equity capital | 13,438,000 | 13,685,000 | 14,185,000 | 14,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,720,000 | 3,519,000 | 5,370,000 | 7,240,000 |
| Interest expense | 710,000 | 1,448,000 | 2,179,000 | 2,919,000 |
| Net interest income | 1,010,000 | 2,071,000 | 3,191,000 | 4,321,000 |
| Noninterest income | 53,000 | 107,000 | 165,000 | 233,000 |
| Noninterest expense | 417,000 | 877,000 | 1,305,000 | 2,469,000 |
| Provision for loan losses | 12,000 | -117,000 | -115,000 | -415,000 |
| Pretax income | 633,000 | 1,287,000 | 2,030,000 | 2,366,000 |
| Income tax | 37,000 | 94,000 | 162,000 | 250,000 |
| Net income | 596,000 | 1,193,000 | 1,868,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,439,000 | 13,685,000 | 14,185,000 | 14,258,000 |