Call reports 2006
SHELBY COUNTY STATE BANK — 2006
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 204,929,000 | 202,108,000 | 203,490,000 | 211,927,000 |
| Total loans | 156,644,000 | 157,086,000 | 159,970,000 | 160,318,000 |
| Allowance for loan losses | 2,075,000 | 2,075,000 | 2,030,000 | 1,937,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,554,000 | 28,829,000 | 27,220,000 | 26,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,995,000 | 181,312,000 | 181,989,000 | 190,546,000 |
| Interest-bearing deposits | 161,810,000 | 160,458,000 | 161,011,000 | 164,439,000 |
| Noninterest-bearing deposits | 22,185,000 | 20,854,000 | 20,978,000 | 26,107,000 |
| Equity capital | 19,988,000 | 19,990,000 | 20,585,000 | 20,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,266,000 | 6,651,000 | 10,162,000 | 13,772,000 |
| Interest expense | 1,133,000 | 2,370,000 | 3,749,000 | 5,223,000 |
| Net interest income | 2,133,000 | 4,281,000 | 6,413,000 | 8,549,000 |
| Noninterest income | 261,000 | 509,000 | 764,000 | 1,003,000 |
| Noninterest expense | 1,178,000 | 2,315,000 | 3,515,000 | 4,752,000 |
| Provision for loan losses | 367,000 | 694,000 | 972,000 | 1,226,000 |
| Pretax income | 849,000 | 1,781,000 | 2,690,000 | 3,574,000 |
| Income tax | 295,000 | 618,000 | 933,000 | 1,236,000 |
| Net income | 554,000 | 1,163,000 | 1,757,000 | 2,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,366,000 | 16,368,000 | 16,963,000 | 16,770,000 |
| Total capital | 18,408,000 | 18,403,000 | 18,993,000 | 18,707,000 |
| Risk-weighted assets | 163,651,000 | 162,439,000 | 166,619,000 | 169,379,000 |
Machine access — free, no API key
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