Call reports 2024
ST. CLAIR COUNTY STATE BANK — 2024
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 205,042,000 | 204,181,000 | 204,827,000 | 212,675,000 |
| Total loans | 134,567,000 | 140,029,000 | 148,159,000 | 148,335,000 |
| Allowance for loan losses | 1,818,000 | 1,819,000 | 1,828,000 | 1,820,000 |
| Securities available for sale | 2,001,000 | 1,750,000 | 2,246,000 | 6,196,000 |
| Securities held to maturity | 19,889,000 | 19,810,000 | 19,593,000 | 18,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,713,000 | 175,688,000 | 175,516,000 | 184,234,000 |
| Interest-bearing deposits | 139,838,000 | 139,836,000 | 141,345,000 | 147,180,000 |
| Noninterest-bearing deposits | 36,875,000 | 35,852,000 | 34,171,000 | 37,054,000 |
| Equity capital | 26,101,000 | 26,638,000 | 27,192,000 | 27,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,844,000 | 5,789,000 | 8,855,000 | 11,998,000 |
| Interest expense | 939,000 | 1,927,000 | 2,949,000 | 3,987,000 |
| Net interest income | 1,905,000 | 3,862,000 | 5,906,000 | 8,011,000 |
| Noninterest income | 1,495,000 | 1,591,000 | 1,683,000 | 1,809,000 |
| Noninterest expense | 1,031,000 | 1,987,000 | 2,973,000 | 4,470,000 |
| Provision for loan losses | 100,000 | 100,000 | 120,000 | 120,000 |
| Pretax income | 2,232,000 | 3,329,000 | 4,459,000 | 5,193,000 |
| Income tax | 463,000 | 681,000 | 927,000 | 1,037,000 |
| Net income | 1,769,000 | 2,648,000 | 3,532,000 | 4,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,142,000 | 26,687,000 | 27,201,000 | 27,440,000 |