Call reports 2017
ST. CLAIR COUNTY STATE BANK — 2017
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 134,504,000 | 135,515,000 | 133,941,000 | 136,583,000 |
| Total loans | 110,032,000 | 111,420,000 | 111,232,000 | 110,296,000 |
| Allowance for loan losses | 1,350,000 | 1,339,000 | 1,366,000 | 1,406,000 |
| Securities available for sale | 1,504,000 | 1,003,000 | 1,002,000 | 3,181,000 |
| Securities held to maturity | 8,678,000 | 8,674,000 | 8,601,000 | 9,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,622,000 | 117,546,000 | 115,312,000 | 118,257,000 |
| Interest-bearing deposits | 100,370,000 | 99,795,000 | 98,113,000 | 100,453,000 |
| Noninterest-bearing deposits | 16,252,000 | 17,751,000 | 17,199,000 | 17,804,000 |
| Equity capital | 17,364,000 | 17,640,000 | 17,913,000 | 17,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 2,906,000 | 4,402,000 | 5,888,000 |
| Interest expense | 211,000 | 425,000 | 641,000 | 864,000 |
| Net interest income | 1,228,000 | 2,481,000 | 3,761,000 | 5,024,000 |
| Noninterest income | 108,000 | 228,000 | 338,000 | 448,000 |
| Noninterest expense | 704,000 | 1,445,000 | 2,167,000 | 2,883,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 75,000 |
| Pretax income | 632,000 | 1,264,000 | 1,902,000 | 2,514,000 |
| Income tax | 205,000 | 410,000 | 630,000 | 844,000 |
| Net income | 427,000 | 854,000 | 1,272,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,364,000 | 17,640,000 | 17,913,000 | 17,970,000 |
| Total capital | 18,714,000 | 18,979,000 | 19,279,000 | 19,376,000 |
| Risk-weighted assets | 113,379,000 | 114,779,000 | 115,033,000 | 116,496,000 |