Call reports 2022
SHELBY COUNTY STATE BANK — 2022
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 574,777,000 | 548,220,000 | 539,348,000 | 544,033,000 |
| Total loans | 328,263,000 | 332,666,000 | 340,059,000 | 355,210,000 |
| Allowance for loan losses | 2,565,000 | 2,636,000 | 2,920,000 | 3,208,000 |
| Securities available for sale | 128,307,000 | 135,645,000 | 134,597,000 | 132,978,000 |
| Securities held to maturity | 5,349,000 | 3,708,000 | 3,693,000 | 3,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,838,000 | 494,236,000 | 487,721,000 | 476,312,000 |
| Interest-bearing deposits | 383,622,000 | 363,438,000 | 360,843,000 | 345,001,000 |
| Noninterest-bearing deposits | 135,216,000 | 130,798,000 | 126,878,000 | 131,311,000 |
| Equity capital | 54,955,000 | 53,133,000 | 50,479,000 | 51,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,230,000 | 7,343,000 | 11,779,000 | 16,460,000 |
| Interest expense | 202,000 | 473,000 | 784,000 | 1,429,000 |
| Net interest income | 3,028,000 | 6,870,000 | 10,995,000 | 15,031,000 |
| Noninterest income | 382,000 | 746,000 | 1,214,000 | 1,686,000 |
| Noninterest expense | 2,024,000 | 4,248,000 | 6,709,000 | 9,262,000 |
| Provision for loan losses | 0 | 70,000 | 360,000 | 660,000 |
| Pretax income | 1,376,000 | 3,467,000 | 5,309,000 | 6,965,000 |
| Income tax | 307,000 | 770,000 | 1,162,000 | 1,550,000 |
| Net income | 1,069,000 | 2,697,000 | 4,147,000 | 5,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,319,000 | 47,416,000 | 48,333,000 | 49,071,000 |
| Total capital | 48,884,000 | 50,052,000 | 51,253,000 | 52,279,000 |
| Risk-weighted assets | 362,046,000 | 372,887,000 | 389,878,000 | 402,336,000 |