Call reports 2011
SHELBY COUNTY STATE BANK — 2011
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 238,060,000 | 227,366,000 | 228,058,000 | 224,606,000 |
| Total loans | 135,450,000 | 136,088,000 | 142,406,000 | 152,972,000 |
| Allowance for loan losses | 1,597,000 | 1,594,000 | 1,720,000 | 1,798,000 |
| Securities available for sale | 45,449,000 | 39,285,000 | 36,398,000 | 34,902,000 |
| Securities held to maturity | 7,146,000 | 4,825,000 | 5,127,000 | 5,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,398,000 | 204,689,000 | 204,818,000 | 201,474,000 |
| Interest-bearing deposits | 184,282,000 | 173,449,000 | 174,857,000 | 164,480,000 |
| Noninterest-bearing deposits | 32,116,000 | 31,240,000 | 29,961,000 | 36,994,000 |
| Equity capital | 20,981,000 | 22,036,000 | 22,572,000 | 22,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,288,000 | 4,613,000 | 6,888,000 | 9,175,000 |
| Interest expense | 296,000 | 579,000 | 839,000 | 1,074,000 |
| Net interest income | 1,992,000 | 4,034,000 | 6,049,000 | 8,101,000 |
| Noninterest income | 291,000 | 573,000 | 839,000 | 943,000 |
| Noninterest expense | 1,373,000 | 2,669,000 | 3,966,000 | 5,225,000 |
| Provision for loan losses | 71,000 | 196,000 | 283,000 | 431,000 |
| Pretax income | 839,000 | 1,867,000 | 2,764,000 | 3,513,000 |
| Income tax | 280,000 | 634,000 | 944,000 | 1,200,000 |
| Net income | 559,000 | 1,233,000 | 1,820,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,104,000 | 17,778,000 | 18,365,000 | 18,458,000 |
| Total capital | 18,701,000 | 19,372,000 | 20,085,000 | 20,256,000 |
| Risk-weighted assets | 154,330,000 | 152,339,000 | 156,454,000 | 167,172,000 |