Call reports 2011
ST. CLAIR COUNTY STATE BANK — 2011
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 118,545,000 | 116,483,000 | 116,021,000 | 118,284,000 |
| Total loans | 85,614,000 | 86,190,000 | 86,219,000 | 85,782,000 |
| Allowance for loan losses | 1,129,000 | 1,152,000 | 1,160,000 | 1,174,000 |
| Securities available for sale | 8,689,000 | 9,036,000 | 8,635,000 | 8,507,000 |
| Securities held to maturity | 7,296,000 | 10,155,000 | 11,323,000 | 11,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,721,000 | 101,500,000 | 100,739,000 | 102,973,000 |
| Interest-bearing deposits | 92,781,000 | 91,193,000 | 90,379,000 | 92,514,000 |
| Noninterest-bearing deposits | 10,940,000 | 10,307,000 | 10,360,000 | 10,459,000 |
| Equity capital | 12,631,000 | 12,814,000 | 13,048,000 | 13,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,694,000 | 4,044,000 | 5,377,000 |
| Interest expense | 421,000 | 811,000 | 1,161,000 | 1,497,000 |
| Net interest income | 932,000 | 1,883,000 | 2,883,000 | 3,880,000 |
| Noninterest income | 115,000 | 230,000 | 362,000 | 524,000 |
| Noninterest expense | 599,000 | 1,198,000 | 1,799,000 | 2,470,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 425,000 | 870,000 | 1,378,000 | 1,844,000 |
| Income tax | 144,000 | 295,000 | 455,000 | 599,000 |
| Net income | 281,000 | 575,000 | 923,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,579,000 | 12,763,000 | 12,991,000 | 13,093,000 |
| Total capital | 13,559,000 | 13,686,000 | 13,917,000 | 14,018,000 |
| Risk-weighted assets | 78,247,000 | 73,780,000 | 73,850,000 | 73,720,000 |