Call reports 2020
SHELBY COUNTY STATE BANK — 2020
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 271,405,000 | 283,635,000 | 296,127,000 | 297,260,000 |
| Total loans | 192,424,000 | 194,232,000 | 195,950,000 | 198,133,000 |
| Allowance for loan losses | 2,320,000 | 2,332,000 | 2,416,000 | 2,416,000 |
| Securities available for sale | 32,566,000 | 33,797,000 | 36,611,000 | 41,500,000 |
| Securities held to maturity | 10,726,000 | 7,972,000 | 8,030,000 | 7,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,477,000 | 248,636,000 | 260,314,000 | 260,591,000 |
| Interest-bearing deposits | 181,949,000 | 184,003,000 | 197,768,000 | 191,507,000 |
| Noninterest-bearing deposits | 55,528,000 | 64,633,000 | 62,546,000 | 69,084,000 |
| Equity capital | 33,143,000 | 33,925,000 | 34,873,000 | 35,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,559,000 | 5,066,000 | 7,517,000 | 10,055,000 |
| Interest expense | 247,000 | 410,000 | 541,000 | 644,000 |
| Net interest income | 2,312,000 | 4,656,000 | 6,976,000 | 9,411,000 |
| Noninterest income | 328,000 | 605,000 | 904,000 | 1,217,000 |
| Noninterest expense | 1,431,000 | 2,811,000 | 4,177,000 | 5,628,000 |
| Provision for loan losses | 35,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 1,171,000 | 2,388,000 | 3,621,000 | 4,919,000 |
| Income tax | 268,000 | 626,000 | 906,000 | 1,138,000 |
| Net income | 903,000 | 1,762,000 | 2,715,000 | 3,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,289,000 | 29,434,000 | 30,387,000 | 31,453,000 |
| Total capital | — | 31,766,000 | 32,803,000 | 33,869,000 |
| Risk-weighted assets | — | 211,259,000 | 215,443,000 | 223,708,000 |