Call reports 2002
ST. CLAIR COUNTY STATE BANK — 2002
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 92,491,000 | 91,905,000 | 90,086,000 | 95,588,000 |
| Total loans | 67,755,000 | 70,394,000 | 72,325,000 | 73,674,000 |
| Allowance for loan losses | 677,000 | 692,000 | 713,000 | 735,000 |
| Securities available for sale | 12,011,000 | 13,767,000 | 12,173,000 | 9,088,000 |
| Securities held to maturity | 1,281,000 | 1,281,000 | 1,280,000 | 1,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,650,000 | 78,912,000 | 76,640,000 | 80,480,000 |
| Interest-bearing deposits | 72,709,000 | 70,813,000 | 69,307,000 | 72,974,000 |
| Noninterest-bearing deposits | 6,941,000 | 8,099,000 | 7,333,000 | 7,506,000 |
| Equity capital | 7,522,000 | 7,618,000 | 7,784,000 | 7,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,834,000 | 4,231,000 | 5,591,000 |
| Interest expense | 782,000 | 1,522,000 | 2,226,000 | 2,897,000 |
| Net interest income | 648,000 | 1,312,000 | 2,005,000 | 2,694,000 |
| Noninterest income | 110,000 | 221,000 | 313,000 | 438,000 |
| Noninterest expense | 431,000 | 856,000 | 1,279,000 | 1,755,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 303,000 | 629,000 | 967,000 | 1,281,000 |
| Income tax | 107,000 | 221,000 | 346,000 | 458,000 |
| Net income | 196,000 | 408,000 | 621,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,395,000 | 7,447,000 | 7,661,000 | 7,862,000 |
| Total capital | 8,072,000 | 8,139,000 | 8,374,000 | 8,597,000 |
| Risk-weighted assets | 57,886,000 | 62,592,000 | 63,259,000 | 63,770,000 |