Call reports 2012
ST. CLAIR COUNTY STATE BANK — 2012
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 119,861,000 | 117,658,000 | 117,162,000 | 122,879,000 |
| Total loans | 85,685,000 | 87,837,000 | 89,558,000 | 90,531,000 |
| Allowance for loan losses | 1,193,000 | 1,213,000 | 1,235,000 | 1,246,000 |
| Securities available for sale | 6,594,000 | 6,335,000 | 6,978,000 | 6,198,000 |
| Securities held to maturity | 11,773,000 | 11,890,000 | 11,956,000 | 10,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,295,000 | 101,908,000 | 101,077,000 | 106,900,000 |
| Interest-bearing deposits | 92,529,000 | 89,889,000 | 90,059,000 | 93,550,000 |
| Noninterest-bearing deposits | 11,766,000 | 12,019,000 | 11,018,000 | 13,350,000 |
| Equity capital | 13,347,000 | 13,553,000 | 13,776,000 | 13,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,576,000 | 3,878,000 | 5,181,000 |
| Interest expense | 340,000 | 663,000 | 974,000 | 1,281,000 |
| Net interest income | 954,000 | 1,913,000 | 2,904,000 | 3,900,000 |
| Noninterest income | 158,000 | 310,000 | 463,000 | 618,000 |
| Noninterest expense | 612,000 | 1,215,000 | 1,837,000 | 2,483,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 477,000 | 963,000 | 1,462,000 | 1,945,000 |
| Income tax | 151,000 | 306,000 | 465,000 | 603,000 |
| Net income | 326,000 | 657,000 | 997,000 | 1,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,308,000 | 13,520,000 | 13,749,000 | 13,834,000 |
| Total capital | 14,236,000 | 14,465,000 | 14,707,000 | 14,811,000 |
| Risk-weighted assets | 74,001,000 | 75,337,000 | 76,372,000 | 77,884,000 |