Call reports 2021
ST. CLAIR COUNTY STATE BANK — 2021
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 169,412,000 | 173,521,000 | 171,073,000 | 174,984,000 |
| Total loans | 109,190,000 | 112,706,000 | 114,341,000 | 116,219,000 |
| Allowance for loan losses | 1,498,000 | 1,483,000 | 1,582,000 | 1,582,000 |
| Securities available for sale | 1,682,000 | 1,652,000 | 2,103,000 | 2,048,000 |
| Securities held to maturity | 20,153,000 | 18,768,000 | 18,161,000 | 18,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,694,000 | 150,146,000 | 147,408,000 | 151,507,000 |
| Interest-bearing deposits | 117,580,000 | 119,333,000 | 118,131,000 | 122,976,000 |
| Noninterest-bearing deposits | 29,114,000 | 30,813,000 | 29,277,000 | 28,531,000 |
| Equity capital | 21,911,000 | 22,431,000 | 22,890,000 | 22,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,627,000 | 3,460,000 | 5,399,000 | 6,915,000 |
| Interest expense | 291,000 | 558,000 | 797,000 | 1,017,000 |
| Net interest income | 1,336,000 | 2,902,000 | 4,602,000 | 5,898,000 |
| Noninterest income | 90,000 | 218,000 | 323,000 | 424,000 |
| Noninterest expense | 779,000 | 1,544,000 | 2,327,000 | 3,039,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 647,000 | 1,576,000 | 2,498,000 | 3,183,000 |
| Income tax | 134,000 | 334,000 | 560,000 | 678,000 |
| Net income | 513,000 | 1,242,000 | 1,938,000 | 2,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,928,000 | 22,444,000 | 22,896,000 | 23,002,000 |