Call reports 2014
ST. CLAIR COUNTY STATE BANK — 2014
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 127,676,000 | 130,089,000 | 127,547,000 | 130,709,000 |
| Total loans | 94,061,000 | 95,399,000 | 97,229,000 | 97,402,000 |
| Allowance for loan losses | 1,344,000 | 1,365,000 | 1,379,000 | 1,393,000 |
| Securities available for sale | 3,464,000 | 3,471,000 | 3,467,000 | 2,863,000 |
| Securities held to maturity | 14,573,000 | 14,460,000 | 14,422,000 | 14,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,046,000 | 114,361,000 | 111,608,000 | 114,874,000 |
| Interest-bearing deposits | 98,529,000 | 100,355,000 | 98,269,000 | 100,422,000 |
| Noninterest-bearing deposits | 13,517,000 | 14,006,000 | 13,339,000 | 14,452,000 |
| Equity capital | 14,879,000 | 15,102,000 | 15,331,000 | 15,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,227,000 | 2,464,000 | 3,718,000 | 4,980,000 |
| Interest expense | 235,000 | 472,000 | 710,000 | 937,000 |
| Net interest income | 992,000 | 1,992,000 | 3,008,000 | 4,043,000 |
| Noninterest income | 110,000 | 238,000 | 357,000 | 489,000 |
| Noninterest expense | 643,000 | 1,266,000 | 1,891,000 | 2,553,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 444,000 | 934,000 | 1,429,000 | 1,919,000 |
| Income tax | 121,000 | 279,000 | 434,000 | 587,000 |
| Net income | 323,000 | 655,000 | 995,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,892,000 | 15,108,000 | 15,339,000 | 15,376,000 |
| Total capital | 15,925,000 | 16,171,000 | 16,416,000 | 16,461,000 |
| Risk-weighted assets | 82,349,000 | 84,729,000 | 85,876,000 | 86,517,000 |