Call reports 2018
ST. CLAIR COUNTY STATE BANK — 2018
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 138,206,000 | 137,558,000 | 138,489,000 | 140,790,000 |
| Total loans | 108,641,000 | 110,293,000 | 111,654,000 | 110,039,000 |
| Allowance for loan losses | 1,412,000 | 1,464,000 | 1,458,000 | 1,458,000 |
| Securities available for sale | 497,000 | 496,000 | 496,000 | 497,000 |
| Securities held to maturity | 10,843,000 | 13,033,000 | 13,105,000 | 13,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,472,000 | 118,542,000 | 119,085,000 | 121,240,000 |
| Interest-bearing deposits | 101,864,000 | 100,717,000 | 101,876,000 | 104,199,000 |
| Noninterest-bearing deposits | 17,608,000 | 17,825,000 | 17,209,000 | 17,041,000 |
| Equity capital | 18,267,000 | 18,592,000 | 18,895,000 | 19,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 3,021,000 | 4,604,000 | 6,220,000 |
| Interest expense | 232,000 | 471,000 | 731,000 | 1,002,000 |
| Net interest income | 1,253,000 | 2,550,000 | 3,873,000 | 5,218,000 |
| Noninterest income | 113,000 | 259,000 | 380,000 | 502,000 |
| Noninterest expense | 741,000 | 1,488,000 | 2,245,000 | 2,985,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 105,000 |
| Pretax income | 580,000 | 1,231,000 | 1,903,000 | 2,630,000 |
| Income tax | 130,000 | 290,000 | 441,000 | 608,000 |
| Net income | 450,000 | 941,000 | 1,462,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,267,000 | 18,592,000 | 18,895,000 | 19,150,000 |
| Total capital | 19,679,000 | 20,047,000 | 20,309,000 | 20,555,000 |
| Risk-weighted assets | 114,890,000 | 116,280,000 | 113,086,000 | 112,261,000 |
Machine access — free, no API key
Every figure shown here about ST. CLAIR COUNTY STATE BANK — 2018 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.