Call reports 2010
ST. CLAIR COUNTY STATE BANK — 2010
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,429,000 | 112,782,000 | 113,107,000 | 118,027,000 |
| Total loans | 82,570,000 | 83,697,000 | 84,367,000 | 87,486,000 |
| Allowance for loan losses | 1,048,000 | 1,069,000 | 1,091,000 | 1,110,000 |
| Securities available for sale | 8,607,000 | 6,599,000 | 6,120,000 | 8,885,000 |
| Securities held to maturity | 5,284,000 | 7,701,000 | 7,968,000 | 8,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,008,000 | 99,885,000 | 100,096,000 | 103,473,000 |
| Interest-bearing deposits | 91,532,000 | 90,209,000 | 90,541,000 | 93,174,000 |
| Noninterest-bearing deposits | 9,476,000 | 9,676,000 | 9,555,000 | 10,299,000 |
| Equity capital | 12,092,000 | 12,208,000 | 12,352,000 | 12,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,757,000 | 4,121,000 | 5,501,000 |
| Interest expense | 563,000 | 1,078,000 | 1,559,000 | 2,007,000 |
| Net interest income | 845,000 | 1,679,000 | 2,562,000 | 3,494,000 |
| Noninterest income | 114,000 | 230,000 | 345,000 | 496,000 |
| Noninterest expense | 591,000 | 1,192,000 | 1,779,000 | 2,403,000 |
| Provision for loan losses | 38,000 | 60,000 | 82,000 | 105,000 |
| Pretax income | 330,000 | 657,000 | 1,046,000 | 1,482,000 |
| Income tax | 112,000 | 218,000 | 347,000 | 492,000 |
| Net income | 218,000 | 439,000 | 699,000 | 990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,969,000 | 12,080,000 | 12,229,000 | 12,366,000 |
| Total capital | 12,867,000 | 12,975,000 | 13,130,000 | 13,309,000 |
| Risk-weighted assets | 71,659,000 | 71,397,000 | 71,928,000 | 75,262,000 |