Call reports 2019
SHELBY COUNTY STATE BANK — 2019
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 270,187,000 | 261,609,000 | 268,539,000 | 269,215,000 |
| Total loans | 186,443,000 | 178,284,000 | 183,235,000 | 184,563,000 |
| Allowance for loan losses | 2,256,000 | 2,264,000 | 2,229,000 | 2,319,000 |
| Securities available for sale | 34,809,000 | 34,947,000 | 32,984,000 | 34,070,000 |
| Securities held to maturity | 11,689,000 | 10,877,000 | 10,899,000 | 10,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,717,000 | 227,988,000 | 234,268,000 | 229,181,000 |
| Interest-bearing deposits | 186,505,000 | 175,612,000 | 182,104,000 | 177,291,000 |
| Noninterest-bearing deposits | 51,212,000 | 52,376,000 | 52,164,000 | 51,890,000 |
| Equity capital | 31,671,000 | 32,925,000 | 33,502,000 | 33,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,550,000 | 5,177,000 | 7,766,000 | 10,405,000 |
| Interest expense | 231,000 | 487,000 | 754,000 | 1,024,000 |
| Net interest income | 2,319,000 | 4,690,000 | 7,012,000 | 9,381,000 |
| Noninterest income | 276,000 | 516,000 | 803,000 | 1,089,000 |
| Noninterest expense | 1,413,000 | 2,806,000 | 4,187,000 | 5,638,000 |
| Provision for loan losses | 45,000 | 80,000 | 80,000 | 180,000 |
| Pretax income | 1,137,000 | 2,320,000 | 3,549,000 | 4,653,000 |
| Income tax | 263,000 | 538,000 | 825,000 | 1,077,000 |
| Net income | 874,000 | 1,782,000 | 2,724,000 | 3,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,206,000 | 29,114,000 | 29,590,000 | 29,915,000 |
| Total capital | 30,462,000 | 31,378,000 | 31,819,000 | 32,234,000 |
| Risk-weighted assets | 195,748,000 | 198,762,000 | 203,417,000 | 203,675,000 |