Call reports 2010
SHELBY COUNTY STATE BANK — 2010
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 223,771,000 | 222,075,000 | 218,473,000 | 227,489,000 |
| Total loans | 131,938,000 | 127,723,000 | 132,547,000 | 140,307,000 |
| Allowance for loan losses | 1,486,000 | 1,403,000 | 1,469,000 | 1,522,000 |
| Securities available for sale | 35,945,000 | 38,402,000 | 42,614,000 | 42,337,000 |
| Securities held to maturity | 13,741,000 | 11,002,000 | 9,694,000 | 9,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,533,000 | 198,897,000 | 196,808,000 | 205,359,000 |
| Interest-bearing deposits | 172,944,000 | 172,315,000 | 170,198,000 | 171,326,000 |
| Noninterest-bearing deposits | 28,589,000 | 26,582,000 | 26,610,000 | 34,033,000 |
| Equity capital | 21,691,000 | 22,633,000 | 20,865,000 | 21,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,837,000 | 7,177,000 | 9,546,000 |
| Interest expense | 412,000 | 777,000 | 1,119,000 | 1,441,000 |
| Net interest income | 1,980,000 | 4,060,000 | 6,058,000 | 8,105,000 |
| Noninterest income | 291,000 | 583,000 | 886,000 | 1,203,000 |
| Noninterest expense | 1,331,000 | 2,612,000 | 3,893,000 | 5,377,000 |
| Provision for loan losses | -11,000 | 9,000 | 74,000 | 169,000 |
| Pretax income | 951,000 | 2,022,000 | 2,977,000 | 3,762,000 |
| Income tax | 315,000 | 676,000 | 999,000 | 1,259,000 |
| Net income | 636,000 | 1,346,000 | 1,978,000 | 2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,095,000 | 18,805,000 | 16,794,000 | 17,318,000 |
| Total capital | 19,581,000 | 20,208,000 | 18,263,000 | 18,840,000 |
| Risk-weighted assets | 148,632,000 | 143,146,000 | 146,867,000 | 156,806,000 |