Call reports 2022
ST. CLAIR COUNTY STATE BANK — 2022
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 177,546,000 | 183,158,000 | 181,577,000 | 182,370,000 |
| Total loans | 113,936,000 | 119,153,000 | 125,720,000 | 128,036,000 |
| Allowance for loan losses | 1,582,000 | 1,647,000 | 1,655,000 | 1,563,000 |
| Securities available for sale | 1,947,000 | 1,896,000 | 1,823,000 | 1,844,000 |
| Securities held to maturity | 19,146,000 | 19,055,000 | 18,154,000 | 19,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,009,000 | 159,185,000 | 157,039,000 | 158,324,000 |
| Interest-bearing deposits | 122,763,000 | 123,542,000 | 118,523,000 | 121,549,000 |
| Noninterest-bearing deposits | 31,246,000 | 35,643,000 | 38,516,000 | 36,775,000 |
| Equity capital | 23,208,000 | 23,535,000 | 23,913,000 | 23,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,482,000 | 3,084,000 | 4,879,000 | 6,820,000 |
| Interest expense | 204,000 | 402,000 | 595,000 | 874,000 |
| Net interest income | 1,278,000 | 2,682,000 | 4,284,000 | 5,946,000 |
| Noninterest income | 94,000 | 219,000 | 316,000 | 427,000 |
| Noninterest expense | 729,000 | 1,498,000 | 2,303,000 | 4,150,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 643,000 | 1,403,000 | 2,297,000 | 2,208,000 |
| Income tax | 123,000 | 294,000 | 489,000 | 416,000 |
| Net income | 520,000 | 1,109,000 | 1,808,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,275,000 | 23,615,000 | 24,037,000 | 23,643,000 |