Call reports 2003
ST. CLAIR COUNTY STATE BANK — 2003
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,523,000 | 96,078,000 | 94,713,000 | 94,013,000 |
| Total loans | 73,496,000 | 72,760,000 | 72,565,000 | 73,403,000 |
| Allowance for loan losses | 759,000 | 777,000 | 800,000 | 817,000 |
| Securities available for sale | 9,232,000 | 7,810,000 | 7,660,000 | 7,919,000 |
| Securities held to maturity | 1,470,000 | 2,607,000 | 2,805,000 | 3,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,330,000 | 80,811,000 | 79,249,000 | 79,417,000 |
| Interest-bearing deposits | 73,677,000 | 72,305,000 | 71,227,000 | 71,766,000 |
| Noninterest-bearing deposits | 7,653,000 | 8,506,000 | 8,022,000 | 7,651,000 |
| Equity capital | 8,012,000 | 8,119,000 | 8,320,000 | 8,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,560,000 | 3,796,000 | 5,022,000 |
| Interest expense | 652,000 | 1,253,000 | 1,807,000 | 2,329,000 |
| Net interest income | 642,000 | 1,307,000 | 1,989,000 | 2,693,000 |
| Noninterest income | 107,000 | 264,000 | 418,000 | 529,000 |
| Noninterest expense | 431,000 | 891,000 | 1,332,000 | 1,848,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 87,000 |
| Pretax income | 294,000 | 632,000 | 1,003,000 | 1,287,000 |
| Income tax | 111,000 | 225,000 | 356,000 | 454,000 |
| Net income | 183,000 | 407,000 | 647,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,985,000 | 8,069,000 | 8,309,000 | 8,488,000 |
| Total capital | 8,744,000 | 8,846,000 | 9,109,000 | 9,280,000 |
| Risk-weighted assets | 63,536,000 | 64,547,000 | 64,409,000 | 63,344,000 |