Call reports 2013
ST. CLAIR COUNTY STATE BANK — 2013
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 123,652,000 | 123,087,000 | 121,959,000 | 125,820,000 |
| Total loans | 89,365,000 | 90,578,000 | 90,671,000 | 94,086,000 |
| Allowance for loan losses | 1,291,000 | 1,322,000 | 1,343,000 | 1,359,000 |
| Securities available for sale | 5,903,000 | 5,495,000 | 3,964,000 | 2,506,000 |
| Securities held to maturity | 11,610,000 | 13,115,000 | 14,344,000 | 15,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,362,000 | 106,727,000 | 105,006,000 | 110,528,000 |
| Interest-bearing deposits | 94,889,000 | 93,543,000 | 92,595,000 | 97,186,000 |
| Noninterest-bearing deposits | 12,473,000 | 13,184,000 | 12,411,000 | 13,342,000 |
| Equity capital | 14,055,000 | 14,263,000 | 14,597,000 | 14,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,243,000 | 2,487,000 | 3,736,000 | 4,972,000 |
| Interest expense | 300,000 | 579,000 | 826,000 | 1,067,000 |
| Net interest income | 943,000 | 1,908,000 | 2,910,000 | 3,905,000 |
| Noninterest income | 141,000 | 285,000 | 660,000 | 553,000 |
| Noninterest expense | 566,000 | 1,113,000 | 1,814,000 | 2,380,000 |
| Provision for loan losses | 45,000 | 90,000 | 115,000 | 130,000 |
| Pretax income | 473,000 | 990,000 | 1,641,000 | 1,948,000 |
| Income tax | 156,000 | 323,000 | 535,000 | 704,000 |
| Net income | 317,000 | 667,000 | 1,106,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,041,000 | 14,281,000 | 14,610,000 | 14,684,000 |
| Total capital | 15,002,000 | 15,254,000 | 15,580,000 | 15,698,000 |
| Risk-weighted assets | 76,566,000 | 77,519,000 | 77,231,000 | 80,791,000 |
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