Call reports 2023
ST. CLAIR COUNTY STATE BANK — 2023
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 188,900,000 | 190,114,000 | 194,180,000 | 200,444,000 |
| Total loans | 130,027,000 | 135,492,000 | 133,220,000 | 134,671,000 |
| Allowance for loan losses | 1,555,000 | 1,547,000 | 1,639,000 | 1,669,000 |
| Securities available for sale | 1,854,000 | 1,832,000 | 1,805,000 | 2,841,000 |
| Securities held to maturity | 17,475,000 | 16,876,000 | 16,767,000 | 17,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,171,000 | 164,571,000 | 167,888,000 | 173,647,000 |
| Interest-bearing deposits | 128,573,000 | 130,123,000 | 133,182,000 | 139,213,000 |
| Noninterest-bearing deposits | 35,598,000 | 34,448,000 | 34,706,000 | 34,434,000 |
| Equity capital | 24,086,000 | 24,648,000 | 25,042,000 | 25,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,151,000 | 4,543,000 | 7,164,000 | 9,913,000 |
| Interest expense | 386,000 | 906,000 | 1,651,000 | 2,502,000 |
| Net interest income | 1,765,000 | 3,637,000 | 5,513,000 | 7,411,000 |
| Noninterest income | 92,000 | 192,000 | 301,000 | 398,000 |
| Noninterest expense | 895,000 | 1,755,000 | 2,665,000 | 3,684,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 150,000 |
| Pretax income | 962,000 | 2,074,000 | 3,049,000 | 3,975,000 |
| Income tax | 197,000 | 435,000 | 664,000 | 892,000 |
| Net income | 765,000 | 1,639,000 | 2,385,000 | 3,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,159,000 | 24,727,000 | 25,131,000 | 25,487,000 |
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