Call reports 2006
ST. CLAIR COUNTY STATE BANK — 2006
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,394,000 | 98,171,000 | 98,843,000 | 101,852,000 |
| Total loans | 78,404,000 | 79,779,000 | 81,717,000 | 81,884,000 |
| Allowance for loan losses | 871,000 | 873,000 | 862,000 | 867,000 |
| Securities available for sale | 9,636,000 | 9,534,000 | 9,194,000 | 9,200,000 |
| Securities held to maturity | 2,895,000 | 2,893,000 | 2,890,000 | 2,888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,955,000 | 80,667,000 | 79,002,000 | 82,886,000 |
| Interest-bearing deposits | 70,803,000 | 70,259,000 | 69,633,000 | 73,540,000 |
| Noninterest-bearing deposits | 9,152,000 | 10,408,000 | 9,369,000 | 9,346,000 |
| Equity capital | 9,224,000 | 9,315,000 | 9,605,000 | 9,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,937,000 | 4,566,000 | 6,270,000 |
| Interest expense | 577,000 | 1,195,000 | 1,908,000 | 2,677,000 |
| Net interest income | 851,000 | 1,742,000 | 2,658,000 | 3,593,000 |
| Noninterest income | 108,000 | 219,000 | 332,000 | 451,000 |
| Noninterest expense | 509,000 | 983,000 | 1,475,000 | 2,032,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 441,000 | 960,000 | 1,488,000 | 1,976,000 |
| Income tax | 142,000 | 313,000 | 480,000 | 664,000 |
| Net income | 299,000 | 647,000 | 1,008,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,307,000 | 9,415,000 | 9,636,000 | 9,741,000 |
| Total capital | 10,127,000 | 10,255,000 | 10,484,000 | 10,608,000 |
| Risk-weighted assets | 65,539,000 | 67,138,000 | 67,354,000 | 70,160,000 |