Call reports 2012
SHELBY COUNTY STATE BANK — 2012
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 241,147,000 | 250,480,000 | 245,546,000 | 257,618,000 |
| Total loans | 139,718,000 | 137,710,000 | 140,912,000 | 156,599,000 |
| Allowance for loan losses | 1,783,000 | 1,758,000 | 1,757,000 | 1,739,000 |
| Securities available for sale | 43,882,000 | 47,677,000 | 50,917,000 | 53,903,000 |
| Securities held to maturity | 5,020,000 | 5,322,000 | 5,110,000 | 6,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,491,000 | 226,726,000 | 221,150,000 | 223,206,000 |
| Interest-bearing deposits | 178,835,000 | 177,582,000 | 178,965,000 | 174,060,000 |
| Noninterest-bearing deposits | 38,656,000 | 49,144,000 | 42,185,000 | 49,146,000 |
| Equity capital | 22,950,000 | 23,249,000 | 23,794,000 | 23,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,188,000 | 4,281,000 | 6,359,000 | 8,435,000 |
| Interest expense | 214,000 | 394,000 | 549,000 | 695,000 |
| Net interest income | 1,974,000 | 3,887,000 | 5,810,000 | 7,740,000 |
| Noninterest income | 272,000 | 491,000 | 768,000 | 1,016,000 |
| Noninterest expense | 1,355,000 | 2,675,000 | 3,968,000 | 5,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 891,000 | 1,703,000 | 2,610,000 | 3,558,000 |
| Income tax | 306,000 | 585,000 | 900,000 | 1,228,000 |
| Net income | 585,000 | 1,118,000 | 1,710,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,808,000 | 19,341,000 | 19,933,000 | 20,063,000 |
| Total capital | 20,591,000 | 21,099,000 | 21,690,000 | 21,802,000 |
| Risk-weighted assets | 159,600,000 | 158,768,000 | 162,097,000 | 174,653,000 |