Call reports 2016
ST. CLAIR COUNTY STATE BANK — 2016
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 132,385,000 | 131,554,000 | 131,153,000 | 133,681,000 |
| Total loans | 107,268,000 | 108,356,000 | 110,274,000 | 111,637,000 |
| Allowance for loan losses | 1,392,000 | 1,390,000 | 1,390,000 | 1,350,000 |
| Securities available for sale | 2,509,000 | 2,518,000 | 2,514,000 | 1,503,000 |
| Securities held to maturity | 11,660,000 | 11,436,000 | 11,392,000 | 11,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,374,000 | 114,292,000 | 113,573,000 | 116,212,000 |
| Interest-bearing deposits | 100,034,000 | 99,430,000 | 97,974,000 | 99,556,000 |
| Noninterest-bearing deposits | 15,340,000 | 14,862,000 | 15,599,000 | 16,656,000 |
| Equity capital | 16,474,000 | 16,783,000 | 16,973,000 | 17,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,741,000 | 4,143,000 | 5,587,000 |
| Interest expense | 208,000 | 415,000 | 623,000 | 828,000 |
| Net interest income | 1,149,000 | 2,326,000 | 3,520,000 | 4,759,000 |
| Noninterest income | 162,000 | 295,000 | 426,000 | 564,000 |
| Noninterest expense | 704,000 | 1,403,000 | 2,128,000 | 2,903,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 607,000 | 1,218,000 | 1,818,000 | 2,420,000 |
| Income tax | 190,000 | 383,000 | 572,000 | 760,000 |
| Net income | 417,000 | 835,000 | 1,246,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,474,000 | 16,783,000 | 16,973,000 | 17,080,000 |
| Total capital | 17,803,000 | 18,122,000 | 18,328,000 | 18,430,000 |
| Risk-weighted assets | 106,221,000 | 107,083,000 | 108,375,000 | 113,756,000 |