Call reports 2008
SHELBY COUNTY STATE BANK — 2008
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 223,801,000 | 219,726,000 | 220,991,000 | 231,111,000 |
| Total loans | 170,823,000 | 171,952,000 | 174,479,000 | 179,329,000 |
| Allowance for loan losses | 1,843,000 | 1,878,000 | 2,082,000 | 1,794,000 |
| Securities available for sale | 0 | 2,022,000 | 3,429,000 | 3,281,000 |
| Securities held to maturity | 23,333,000 | 21,318,000 | 18,469,000 | 21,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,980,000 | 198,099,000 | 199,196,000 | 209,347,000 |
| Interest-bearing deposits | 174,279,000 | 169,205,000 | 172,381,000 | 173,706,000 |
| Noninterest-bearing deposits | 27,701,000 | 28,894,000 | 26,815,000 | 35,641,000 |
| Equity capital | 20,741,000 | 20,837,000 | 21,078,000 | 21,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,460,000 | 6,885,000 | 10,402,000 | 13,829,000 |
| Interest expense | 1,459,000 | 2,619,000 | 3,615,000 | 4,563,000 |
| Net interest income | 2,001,000 | 4,266,000 | 6,787,000 | 9,266,000 |
| Noninterest income | 317,000 | 660,000 | 935,000 | 1,221,000 |
| Noninterest expense | 1,284,000 | 2,510,000 | 3,733,000 | 4,963,000 |
| Provision for loan losses | 256,000 | 727,000 | 2,019,000 | 3,044,000 |
| Pretax income | 778,000 | 1,689,000 | 1,970,000 | 2,480,000 |
| Income tax | 261,000 | 563,000 | 630,000 | 764,000 |
| Net income | 517,000 | 1,126,000 | 1,340,000 | 1,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,119,000 | 17,228,000 | 17,442,000 | 17,419,000 |
| Total capital | 18,962,000 | 19,106,000 | 19,524,000 | 19,213,000 |
| Risk-weighted assets | 180,638,000 | 181,395,000 | 184,467,000 | 191,767,000 |
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