Call reports 2015
SHELBY COUNTY STATE BANK — 2015
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 259,922,000 | 247,955,000 | 249,232,000 | 254,955,000 |
| Total loans | 162,563,000 | 159,446,000 | 161,114,000 | 167,829,000 |
| Allowance for loan losses | 1,961,000 | 1,970,000 | 1,955,000 | 1,978,000 |
| Securities available for sale | 51,111,000 | 47,042,000 | 45,600,000 | 44,201,000 |
| Securities held to maturity | 9,467,000 | 9,566,000 | 9,738,000 | 10,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,005,000 | 220,836,000 | 219,454,000 | 222,750,000 |
| Interest-bearing deposits | 186,271,000 | 176,244,000 | 176,021,000 | 173,805,000 |
| Noninterest-bearing deposits | 46,734,000 | 44,592,000 | 43,433,000 | 48,945,000 |
| Equity capital | 25,704,000 | 26,156,000 | 26,300,000 | 26,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,042,000 | 4,093,000 | 6,144,000 | 8,228,000 |
| Interest expense | 79,000 | 156,000 | 230,000 | 308,000 |
| Net interest income | 1,963,000 | 3,937,000 | 5,914,000 | 7,920,000 |
| Noninterest income | 254,000 | 484,000 | 721,000 | 936,000 |
| Noninterest expense | 1,422,000 | 2,703,000 | 4,018,000 | 5,326,000 |
| Provision for loan losses | -65,000 | -55,000 | -55,000 | -20,000 |
| Pretax income | 860,000 | 1,798,000 | 2,697,000 | 3,575,000 |
| Income tax | 295,000 | 619,000 | 929,000 | 1,230,000 |
| Net income | 565,000 | 1,179,000 | 1,768,000 | 2,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,013,000 | 22,627,000 | 22,604,000 | 22,569,000 |
| Total capital | 23,974,000 | 24,597,000 | 24,559,000 | 24,547,000 |
| Risk-weighted assets | 182,337,000 | 178,356,000 | 170,497,000 | 178,101,000 |