Call reports 2021
SHELBY COUNTY STATE BANK — 2021
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 336,353,000 | 331,723,000 | 332,302,000 | 351,589,000 |
| Total loans | 205,460,000 | 202,346,000 | 201,935,000 | 218,209,000 |
| Allowance for loan losses | 2,368,000 | 2,394,000 | 2,436,000 | 2,567,000 |
| Securities available for sale | 47,461,000 | 59,017,000 | 61,807,000 | 60,528,000 |
| Securities held to maturity | 7,637,000 | 6,306,000 | 5,629,000 | 5,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,184,000 | 294,260,000 | 293,766,000 | 312,939,000 |
| Interest-bearing deposits | 218,530,000 | 211,916,000 | 215,776,000 | 232,832,000 |
| Noninterest-bearing deposits | 80,654,000 | 82,344,000 | 77,990,000 | 80,107,000 |
| Equity capital | 36,464,000 | 36,930,000 | 37,884,000 | 37,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,238,000 | 4,921,000 | 7,701,000 | 9,898,000 |
| Interest expense | 66,000 | 114,000 | 157,000 | 201,000 |
| Net interest income | 2,172,000 | 4,807,000 | 7,544,000 | 9,697,000 |
| Noninterest income | 318,000 | 611,000 | 918,000 | 1,250,000 |
| Noninterest expense | 1,440,000 | 2,906,000 | 4,474,000 | 6,102,000 |
| Provision for loan losses | 0 | 35,000 | 85,000 | 215,000 |
| Pretax income | 1,052,000 | 2,480,000 | 3,906,000 | 4,634,000 |
| Income tax | 244,000 | 589,000 | 921,000 | 1,086,000 |
| Net income | 808,000 | 1,891,000 | 2,985,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,261,000 | 32,829,000 | 33,922,000 | 34,486,000 |
| Total capital | 34,629,000 | 35,223,000 | 36,358,000 | 37,053,000 |
| Risk-weighted assets | 233,373,000 | 213,852,000 | 218,398,000 | 230,418,000 |