Call reports 2005
ST. CLAIR COUNTY STATE BANK — 2005
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 96,613,000 | 94,593,000 | 95,801,000 | 96,827,000 |
| Total loans | 74,946,000 | 76,452,000 | 78,642,000 | 78,201,000 |
| Allowance for loan losses | 861,000 | 870,000 | 860,000 | 868,000 |
| Securities available for sale | 10,661,000 | 10,265,000 | 9,791,000 | 9,738,000 |
| Securities held to maturity | 3,171,000 | 3,168,000 | 3,165,000 | 3,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,991,000 | 81,775,000 | 79,740,000 | 80,787,000 |
| Interest-bearing deposits | 73,961,000 | 72,361,000 | 70,389,000 | 70,512,000 |
| Noninterest-bearing deposits | 10,030,000 | 9,414,000 | 9,351,000 | 10,275,000 |
| Equity capital | 8,463,000 | 8,682,000 | 8,879,000 | 8,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,586,000 | 3,966,000 | 5,391,000 |
| Interest expense | 469,000 | 952,000 | 1,467,000 | 2,021,000 |
| Net interest income | 800,000 | 1,634,000 | 2,499,000 | 3,370,000 |
| Noninterest income | 111,000 | 232,000 | 351,000 | 465,000 |
| Noninterest expense | 482,000 | 943,000 | 1,412,000 | 1,936,000 |
| Provision for loan losses | 15,000 | 26,000 | 35,000 | 44,000 |
| Pretax income | 414,000 | 897,000 | 1,403,000 | 1,855,000 |
| Income tax | 142,000 | 307,000 | 470,000 | 619,000 |
| Net income | 272,000 | 590,000 | 933,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,555,000 | 8,733,000 | 8,946,000 | 9,049,000 |
| Total capital | 9,296,000 | 9,529,000 | 9,763,000 | 9,863,000 |
| Risk-weighted assets | 59,134,000 | 63,635,000 | 65,317,000 | 65,036,000 |