Call reports 2004
ST. CLAIR COUNTY STATE BANK — 2004
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,196,000 | 92,664,000 | 91,063,000 | 94,555,000 |
| Total loans | 71,560,000 | 73,181,000 | 74,643,000 | 75,189,000 |
| Allowance for loan losses | 804,000 | 845,000 | 832,000 | 846,000 |
| Securities available for sale | 8,743,000 | 8,554,000 | 8,110,000 | 10,432,000 |
| Securities held to maturity | 2,671,000 | 3,457,000 | 3,454,000 | 3,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,277,000 | 79,896,000 | 78,948,000 | 82,298,000 |
| Interest-bearing deposits | 72,060,000 | 70,614,000 | 69,931,000 | 72,714,000 |
| Noninterest-bearing deposits | 8,217,000 | 9,282,000 | 9,017,000 | 9,584,000 |
| Equity capital | 8,750,000 | 8,723,000 | 8,048,000 | 8,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,407,000 | 3,621,000 | 4,872,000 |
| Interest expense | 509,000 | 988,000 | 1,421,000 | 1,863,000 |
| Net interest income | 692,000 | 1,419,000 | 2,200,000 | 3,009,000 |
| Noninterest income | 92,000 | 187,000 | 310,000 | 428,000 |
| Noninterest expense | 451,000 | 912,000 | 1,378,000 | 1,950,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 318,000 | 664,000 | 1,087,000 | 1,427,000 |
| Income tax | 103,000 | 225,000 | 358,000 | 474,000 |
| Net income | 215,000 | 439,000 | 729,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,710,000 | 8,794,000 | 8,084,000 | 8,308,000 |
| Total capital | 9,455,000 | 9,556,000 | 8,863,000 | 9,077,000 |
| Risk-weighted assets | 59,556,000 | 60,604,000 | 62,244,000 | 61,419,000 |