Call reports 2021
STATE BANK OF SAUNEMIN — 2021
What STATE BANK OF SAUNEMIN 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 | 41,250,000 | 40,596,000 | 40,174,000 | 43,774,000 |
| Total loans | 20,174,000 | 18,335,000 | 18,877,000 | 19,246,000 |
| Allowance for loan losses | 266,000 | 266,000 | 266,000 | 266,000 |
| Securities available for sale | 14,334,000 | 15,280,000 | 14,925,000 | 14,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,312,000 | 35,636,000 | 35,182,000 | 38,893,000 |
| Interest-bearing deposits | 29,742,000 | 29,908,000 | 29,308,000 | 29,223,000 |
| Noninterest-bearing deposits | 6,570,000 | 5,728,000 | 5,874,000 | 9,670,000 |
| Equity capital | 4,759,000 | 4,892,000 | 4,961,000 | 4,854,000 |
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 | 245,000 | 480,000 | 725,000 | 980,000 |
| Interest expense | 30,000 | 59,000 | 86,000 | 112,000 |
| Net interest income | 215,000 | 421,000 | 639,000 | 868,000 |
| Noninterest income | 51,000 | 211,000 | 258,000 | 269,000 |
| Noninterest expense | 199,000 | 378,000 | 564,000 | 759,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 271,000 | 350,000 | 395,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 67,000 | 271,000 | 350,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,544,000 | 4,712,000 | 4,766,000 | 4,781,000 |