Call reports 2019
ST. CLAIR COUNTY STATE BANK — 2019
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 142,502,000 | 142,991,000 | 142,761,000 | 146,848,000 |
| Total loans | 110,137,000 | 112,229,000 | 113,218,000 | 113,166,000 |
| Allowance for loan losses | 1,456,000 | 1,462,000 | 1,461,000 | 1,442,000 |
| Securities available for sale | 498,000 | 499,000 | 0 | 0 |
| Securities held to maturity | 10,935,000 | 10,866,000 | 11,774,000 | 14,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,367,000 | 122,614,000 | 121,728,000 | 125,985,000 |
| Interest-bearing deposits | 105,352,000 | 104,904,000 | 104,142,000 | 107,360,000 |
| Noninterest-bearing deposits | 17,015,000 | 17,710,000 | 17,586,000 | 18,625,000 |
| Equity capital | 19,469,000 | 19,845,000 | 20,172,000 | 20,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 3,459,000 | 5,240,000 | 7,000,000 |
| Interest expense | 297,000 | 615,000 | 946,000 | 1,283,000 |
| Net interest income | 1,377,000 | 2,844,000 | 4,294,000 | 5,717,000 |
| Noninterest income | 70,000 | 152,000 | 226,000 | 316,000 |
| Noninterest expense | 755,000 | 1,529,000 | 2,299,000 | 3,000,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 692,000 | 1,467,000 | 2,221,000 | 3,003,000 |
| Income tax | 159,000 | 345,000 | 517,000 | 701,000 |
| Net income | 533,000 | 1,122,000 | 1,704,000 | 2,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,469,000 | 19,845,000 | 20,172,000 | 20,424,000 |
| Total capital | 20,874,000 | 21,274,000 | 21,616,000 | 21,866,000 |
| Risk-weighted assets | 112,337,000 | 114,174,000 | 115,471,000 | 115,939,000 |