Call reports 2005
SHELBY COUNTY STATE BANK — 2005
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 208,920,000 | 204,486,000 | 204,478,000 | 207,054,000 |
| Total loans | 160,266,000 | 159,601,000 | 163,112,000 | 162,672,000 |
| Allowance for loan losses | 2,194,000 | 2,222,000 | 2,151,000 | 2,249,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,223,000 | 29,823,000 | 28,984,000 | 27,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,107,000 | 183,446,000 | 178,653,000 | 186,071,000 |
| Interest-bearing deposits | 163,313,000 | 161,875,000 | 156,749,000 | 161,881,000 |
| Noninterest-bearing deposits | 22,794,000 | 21,571,000 | 21,904,000 | 24,190,000 |
| Equity capital | 20,541,000 | 20,353,000 | 20,217,000 | 20,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,995,000 | 6,187,000 | 9,437,000 | 12,970,000 |
| Interest expense | 832,000 | 1,723,000 | 2,699,000 | 3,800,000 |
| Net interest income | 2,163,000 | 4,464,000 | 6,738,000 | 9,170,000 |
| Noninterest income | 266,000 | 473,000 | 736,000 | 986,000 |
| Noninterest expense | 1,140,000 | 2,272,000 | 3,423,000 | 4,582,000 |
| Provision for loan losses | 437,000 | 920,000 | 1,331,000 | 1,964,000 |
| Pretax income | 852,000 | 1,745,000 | 2,720,000 | 3,610,000 |
| Income tax | 293,000 | 600,000 | 938,000 | 1,245,000 |
| Net income | 559,000 | 1,145,000 | 1,782,000 | 2,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,919,000 | 16,731,000 | 16,595,000 | 16,611,000 |
| Total capital | 19,033,000 | 18,811,000 | 18,701,000 | 18,681,000 |
| Risk-weighted assets | 169,019,000 | 166,256,000 | 168,455,000 | 168,582,000 |
Machine access — free, no API key
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