Call reports 2016
SHELBY COUNTY STATE BANK — 2016
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 256,431,000 | 252,016,000 | 253,578,000 | 256,317,000 |
| Total loans | 165,416,000 | 167,148,000 | 169,671,000 | 175,971,000 |
| Allowance for loan losses | 2,001,000 | 2,025,000 | 2,043,000 | 2,035,000 |
| Securities available for sale | 44,317,000 | 43,514,000 | 36,229,000 | 35,338,000 |
| Securities held to maturity | 11,638,000 | 11,846,000 | 12,230,000 | 13,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,906,000 | 221,674,000 | 225,393,000 | 224,233,000 |
| Interest-bearing deposits | 182,224,000 | 176,860,000 | 178,215,000 | 174,678,000 |
| Noninterest-bearing deposits | 46,682,000 | 44,814,000 | 47,178,000 | 49,555,000 |
| Equity capital | 26,877,000 | 27,205,000 | 27,673,000 | 27,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,104,000 | 4,196,000 | 6,279,000 | 8,411,000 |
| Interest expense | 78,000 | 160,000 | 243,000 | 328,000 |
| Net interest income | 2,026,000 | 4,036,000 | 6,036,000 | 8,083,000 |
| Noninterest income | 233,000 | 474,000 | 745,000 | 964,000 |
| Noninterest expense | 1,381,000 | 2,712,000 | 4,032,000 | 5,289,000 |
| Provision for loan losses | 8,000 | 33,000 | 63,000 | 153,000 |
| Pretax income | 870,000 | 1,765,000 | 2,747,000 | 3,666,000 |
| Income tax | 295,000 | 600,000 | 937,000 | 1,249,000 |
| Net income | 575,000 | 1,165,000 | 1,810,000 | 2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,145,000 | 23,270,000 | 23,915,000 | 24,032,000 |
| Total capital | 25,146,000 | 25,295,000 | 25,958,000 | 26,067,000 |
| Risk-weighted assets | 175,348,000 | 175,203,000 | 178,933,000 | 183,302,000 |