Call reports 2007
ST. CLAIR COUNTY STATE BANK — 2007
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,765,000 | 103,113,000 | 101,273,000 | 104,184,000 |
| Total loans | 80,380,000 | 81,670,000 | 80,499,000 | 80,806,000 |
| Allowance for loan losses | 873,000 | 880,000 | 881,000 | 844,000 |
| Securities available for sale | 9,127,000 | 8,996,000 | 9,955,000 | 10,670,000 |
| Securities held to maturity | 2,853,000 | 3,512,000 | 3,510,000 | 3,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,288,000 | 84,623,000 | 84,365,000 | 88,145,000 |
| Interest-bearing deposits | 74,352,000 | 74,756,000 | 74,587,000 | 78,445,000 |
| Noninterest-bearing deposits | 9,936,000 | 9,867,000 | 9,778,000 | 9,700,000 |
| Equity capital | 10,040,000 | 10,134,000 | 10,519,000 | 10,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,559,000 | 5,408,000 | 7,229,000 |
| Interest expense | 804,000 | 1,644,000 | 2,484,000 | 3,327,000 |
| Net interest income | 937,000 | 1,915,000 | 2,924,000 | 3,902,000 |
| Noninterest income | 106,000 | 227,000 | 327,000 | 436,000 |
| Noninterest expense | 524,000 | 1,012,000 | 1,528,000 | 2,078,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 510,000 | 1,112,000 | 1,696,000 | 2,224,000 |
| Income tax | 182,000 | 382,000 | 554,000 | 706,000 |
| Net income | 328,000 | 730,000 | 1,142,000 | 1,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,049,000 | 10,201,000 | 10,488,000 | 10,614,000 |
| Total capital | 10,883,000 | 11,043,000 | 11,366,000 | 11,458,000 |
| Risk-weighted assets | 67,952,000 | 68,226,000 | 70,213,000 | 71,289,000 |