Call reports 2009
ST. CLAIR COUNTY STATE BANK — 2009
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 109,605,000 | 109,938,000 | 110,237,000 | 113,932,000 |
| Total loans | 82,046,000 | 81,494,000 | 82,778,000 | 84,118,000 |
| Allowance for loan losses | 901,000 | 945,000 | 979,000 | 1,020,000 |
| Securities available for sale | 10,069,000 | 10,886,000 | 10,826,000 | 10,291,000 |
| Securities held to maturity | 4,044,000 | 4,211,000 | 4,424,000 | 4,822,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,506,000 | 96,759,000 | 97,020,000 | 100,661,000 |
| Interest-bearing deposits | 86,031,000 | 87,429,000 | 88,343,000 | 91,012,000 |
| Noninterest-bearing deposits | 10,475,000 | 9,330,000 | 8,677,000 | 9,649,000 |
| Equity capital | 11,744,000 | 11,773,000 | 11,920,000 | 12,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 2,946,000 | 4,307,000 | 5,834,000 |
| Interest expense | 692,000 | 1,373,000 | 2,013,000 | 2,610,000 |
| Net interest income | 796,000 | 1,573,000 | 2,294,000 | 3,224,000 |
| Noninterest income | 169,000 | 318,000 | 452,000 | 673,000 |
| Noninterest expense | 546,000 | 1,103,000 | 1,683,000 | 2,314,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 374,000 | 698,000 | 928,000 | 1,403,000 |
| Income tax | 134,000 | 248,000 | 323,000 | 492,000 |
| Net income | 240,000 | 450,000 | 605,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,525,000 | 11,560,000 | 11,715,000 | 11,860,000 |
| Total capital | 12,421,000 | 12,472,000 | 12,628,000 | 12,808,000 |
| Risk-weighted assets | 71,708,000 | 72,932,000 | 73,772,000 | 75,776,000 |