Call reports 2020
ST. CLAIR COUNTY STATE BANK — 2020
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 147,908,000 | 153,796,000 | 156,551,000 | 163,063,000 |
| Total loans | 110,542,000 | 112,437,000 | 111,566,000 | 110,856,000 |
| Allowance for loan losses | 1,469,000 | 1,499,000 | 1,499,000 | 1,498,000 |
| Securities available for sale | 0 | 0 | 0 | 649,000 |
| Securities held to maturity | 11,391,000 | 10,292,000 | 13,225,000 | 16,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,508,000 | 132,190,000 | 134,576,000 | 141,122,000 |
| Interest-bearing deposits | 107,269,000 | 108,691,000 | 110,590,000 | 114,687,000 |
| Noninterest-bearing deposits | 19,239,000 | 23,499,000 | 23,986,000 | 26,435,000 |
| Equity capital | 20,728,000 | 21,111,000 | 21,368,000 | 21,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,737,000 | 3,574,000 | 5,198,000 | 6,835,000 |
| Interest expense | 348,000 | 684,000 | 995,000 | 1,298,000 |
| Net interest income | 1,389,000 | 2,890,000 | 4,203,000 | 5,537,000 |
| Noninterest income | 72,000 | 156,000 | 238,000 | 337,000 |
| Noninterest expense | 750,000 | 1,512,000 | 2,258,000 | 3,026,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 681,000 | 1,474,000 | 2,123,000 | 2,788,000 |
| Income tax | 163,000 | 359,000 | 507,000 | 595,000 |
| Net income | 518,000 | 1,115,000 | 1,616,000 | 2,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,728,000 | 21,111,000 | 21,368,000 | 21,629,000 |