Call reports 2007
SHELBY COUNTY STATE BANK — 2007
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 213,718,000 | 210,798,000 | 212,304,000 | 217,942,000 |
| Total loans | 158,854,000 | 158,332,000 | 169,672,000 | 173,638,000 |
| Allowance for loan losses | 1,896,000 | 1,841,000 | 1,828,000 | 1,803,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,471,000 | 27,932,000 | 25,423,000 | 23,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,511,000 | 189,938,000 | 190,834,000 | 196,220,000 |
| Interest-bearing deposits | 168,956,000 | 165,225,000 | 167,701,000 | 166,280,000 |
| Noninterest-bearing deposits | 23,555,000 | 24,713,000 | 23,133,000 | 29,940,000 |
| Equity capital | 19,967,000 | 19,962,000 | 20,572,000 | 20,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,630,000 | 7,262,000 | 10,944,000 | 14,489,000 |
| Interest expense | 1,542,000 | 3,120,000 | 4,698,000 | 6,269,000 |
| Net interest income | 2,088,000 | 4,142,000 | 6,246,000 | 8,220,000 |
| Noninterest income | 284,000 | 550,000 | 818,000 | 1,093,000 |
| Noninterest expense | 1,235,000 | 2,440,000 | 3,682,000 | 4,892,000 |
| Provision for loan losses | 258,000 | 465,000 | 661,000 | 676,000 |
| Pretax income | 879,000 | 1,787,000 | 2,721,000 | 3,745,000 |
| Income tax | 304,000 | 617,000 | 941,000 | 1,297,000 |
| Net income | 575,000 | 1,170,000 | 1,780,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,345,000 | 16,340,000 | 16,950,000 | 17,102,000 |
| Total capital | 18,241,000 | 18,181,000 | 18,778,000 | 18,905,000 |
| Risk-weighted assets | 169,156,000 | 167,446,000 | 180,376,000 | 182,280,000 |
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