Call reports 2013
SHELBY COUNTY STATE BANK — 2013
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 258,868,000 | 245,925,000 | 246,615,000 | 254,140,000 |
| Total loans | 149,062,000 | 153,825,000 | 155,622,000 | 164,432,000 |
| Allowance for loan losses | 1,734,000 | 1,743,000 | 1,856,000 | 1,896,000 |
| Securities available for sale | 52,035,000 | 50,416,000 | 48,377,000 | 47,585,000 |
| Securities held to maturity | 8,356,000 | 7,338,000 | 7,175,000 | 7,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,869,000 | 219,973,000 | 221,926,000 | 214,210,000 |
| Interest-bearing deposits | 189,770,000 | 179,733,000 | 180,846,000 | 171,675,000 |
| Noninterest-bearing deposits | 44,099,000 | 40,240,000 | 41,080,000 | 42,535,000 |
| Equity capital | 24,386,000 | 23,555,000 | 24,170,000 | 24,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,065,000 | 4,144,000 | 6,241,000 | 8,361,000 |
| Interest expense | 133,000 | 246,000 | 346,000 | 438,000 |
| Net interest income | 1,932,000 | 3,898,000 | 5,895,000 | 7,923,000 |
| Noninterest income | 258,000 | 485,000 | 730,000 | 948,000 |
| Noninterest expense | 1,355,000 | 2,652,000 | 3,989,000 | 5,288,000 |
| Provision for loan losses | 30,000 | 90,000 | 210,000 | 250,000 |
| Pretax income | 805,000 | 1,641,000 | 2,426,000 | 3,333,000 |
| Income tax | 274,000 | 560,000 | 830,000 | 1,144,000 |
| Net income | 531,000 | 1,081,000 | 1,596,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,596,000 | 20,295,000 | 20,811,000 | 21,402,000 |
| Total capital | 22,330,000 | 22,038,000 | 22,667,000 | 23,298,000 |
| Risk-weighted assets | 170,712,000 | 172,271,000 | 175,344,000 | 183,570,000 |