Call reports 2004
SHELBY COUNTY STATE BANK — 2004
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 206,490,000 | 198,343,000 | 201,797,000 | 209,455,000 |
| Total loans | 157,355,000 | 156,987,000 | 159,716,000 | 159,029,000 |
| Allowance for loan losses | 2,508,000 | 2,441,000 | 2,410,000 | 2,228,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,442,000 | 25,733,000 | 26,093,000 | 22,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,254,000 | 177,519,000 | 178,432,000 | 187,430,000 |
| Interest-bearing deposits | 165,138,000 | 156,810,000 | 157,670,000 | 159,643,000 |
| Noninterest-bearing deposits | 21,116,000 | 20,709,000 | 20,762,000 | 27,787,000 |
| Equity capital | 19,487,000 | 20,223,000 | 20,318,000 | 19,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,053,000 | 6,146,000 | 9,250,000 | 12,247,000 |
| Interest expense | 685,000 | 1,324,000 | 1,967,000 | 2,704,000 |
| Net interest income | 2,368,000 | 4,822,000 | 7,283,000 | 9,543,000 |
| Noninterest income | 273,000 | 542,000 | 785,000 | 1,057,000 |
| Noninterest expense | 1,092,000 | 2,195,000 | 3,305,000 | 4,428,000 |
| Provision for loan losses | 459,000 | 959,000 | 1,482,000 | 1,870,000 |
| Pretax income | 1,090,000 | 2,210,000 | 3,281,000 | 4,302,000 |
| Income tax | 378,000 | 763,000 | 1,136,000 | 1,487,000 |
| Net income | 712,000 | 1,447,000 | 2,145,000 | 2,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,862,000 | 16,598,000 | 16,693,000 | 16,357,000 |
| Total capital | 17,938,000 | 18,653,000 | 18,764,000 | 18,439,000 |
| Risk-weighted assets | 165,696,000 | 164,061,000 | 165,350,000 | 166,419,000 |
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