Call reports 2025
ST. CLAIR COUNTY STATE BANK — 2025
What ST. CLAIR COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 214,963,000 | 214,381,000 | 214,113,000 | 215,960,000 |
| Total loans | 147,877,000 | 154,912,000 | 156,219,000 | 159,754,000 |
| Allowance for loan losses | 1,873,000 | 1,940,000 | 2,015,000 | 2,088,000 |
| Securities available for sale | 6,248,000 | 6,036,000 | 6,041,000 | 6,040,000 |
| Securities held to maturity | 17,279,000 | 19,275,000 | 19,901,000 | 19,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,560,000 | 184,764,000 | 183,773,000 | 185,180,000 |
| Interest-bearing deposits | 146,754,000 | 142,558,000 | 142,553,000 | 148,029,000 |
| Noninterest-bearing deposits | 38,806,000 | 42,206,000 | 41,220,000 | 37,151,000 |
| Equity capital | 27,983,000 | 28,558,000 | 29,103,000 | 29,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,130,000 | 6,334,000 | 9,589,000 | 12,831,000 |
| Interest expense | 1,030,000 | 2,059,000 | 3,086,000 | 4,107,000 |
| Net interest income | 2,100,000 | 4,275,000 | 6,503,000 | 8,724,000 |
| Noninterest income | 116,000 | 234,000 | 355,000 | 486,000 |
| Noninterest expense | 1,001,000 | 2,001,000 | 3,010,000 | 3,991,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,140,000 | 2,358,000 | 3,623,000 | 4,919,000 |
| Income tax | 249,000 | 530,000 | 826,000 | 1,128,000 |
| Net income | 891,000 | 1,828,000 | 2,797,000 | 3,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,989,000 | 28,534,000 | 29,066,000 | 29,638,000 |