Call reports 2001
ST. CLAIR COUNTY STATE BANK — 2001
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 85,017,000 | 86,122,000 | 87,327,000 | 90,627,000 |
| Total loans | 63,396,000 | 66,145,000 | 66,025,000 | 67,725,000 |
| Allowance for loan losses | 592,000 | 615,000 | 638,000 | 662,000 |
| Securities available for sale | 15,394,000 | 14,072,000 | 13,017,000 | 12,670,000 |
| Securities held to maturity | 661,000 | 1,284,000 | 1,283,000 | 1,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,727,000 | 71,750,000 | 72,616,000 | 77,817,000 |
| Interest-bearing deposits | 66,549,000 | 65,174,000 | 66,281,000 | 69,990,000 |
| Noninterest-bearing deposits | 6,178,000 | 6,576,000 | 6,335,000 | 7,827,000 |
| Equity capital | 6,827,000 | 7,007,000 | 7,321,000 | 7,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,280,000 | 4,891,000 | 6,435,000 |
| Interest expense | 917,000 | 1,821,000 | 2,707,000 | 3,547,000 |
| Net interest income | 725,000 | 1,459,000 | 2,184,000 | 2,888,000 |
| Noninterest income | 86,000 | 199,000 | 297,000 | 419,000 |
| Noninterest expense | 396,000 | 797,000 | 1,195,000 | 1,649,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 391,000 | 813,000 | 1,214,000 | 1,562,000 |
| Income tax | 148,000 | 303,000 | 455,000 | 565,000 |
| Net income | 243,000 | 510,000 | 759,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,675,000 | 6,833,000 | 7,082,000 | 7,319,000 |
| Total capital | 7,267,000 | 7,448,000 | 7,720,000 | 7,981,000 |
| Risk-weighted assets | 56,121,000 | 57,092,000 | 58,956,000 | 59,250,000 |