Call reports 2015
ST. CLAIR COUNTY STATE BANK — 2015
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 130,832,000 | 129,581,000 | 128,145,000 | 131,492,000 |
| Total loans | 96,783,000 | 100,508,000 | 101,655,000 | 105,277,000 |
| Allowance for loan losses | 1,396,000 | 1,405,000 | 1,389,000 | 1,394,000 |
| Securities available for sale | 2,330,000 | 2,329,000 | 2,333,000 | 2,322,000 |
| Securities held to maturity | 13,251,000 | 14,728,000 | 14,582,000 | 14,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,779,000 | 113,427,000 | 111,651,000 | 114,978,000 |
| Interest-bearing deposits | 100,005,000 | 97,019,000 | 95,827,000 | 97,573,000 |
| Noninterest-bearing deposits | 14,774,000 | 16,408,000 | 15,824,000 | 17,405,000 |
| Equity capital | 15,583,000 | 15,808,000 | 16,087,000 | 16,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,486,000 | 3,800,000 | 5,126,000 |
| Interest expense | 226,000 | 444,000 | 652,000 | 855,000 |
| Net interest income | 1,007,000 | 2,042,000 | 3,148,000 | 4,271,000 |
| Noninterest income | 123,000 | 258,000 | 397,000 | 527,000 |
| Noninterest expense | 653,000 | 1,320,000 | 2,014,000 | 2,693,000 |
| Provision for loan losses | 15,000 | 26,000 | 27,000 | 27,000 |
| Pretax income | 462,000 | 954,000 | 1,504,000 | 2,078,000 |
| Income tax | 140,000 | 292,000 | 456,000 | 637,000 |
| Net income | 322,000 | 662,000 | 1,048,000 | 1,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,583,000 | 15,808,000 | 16,087,000 | 16,162,000 |
| Total capital | 16,979,000 | 17,058,000 | 17,351,000 | 17,473,000 |
| Risk-weighted assets | 111,844,000 | 99,867,000 | 101,000,000 | 104,789,000 |