Call reports 2025
SHELBY COUNTY STATE BANK — 2025
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 541,168,000 | 529,674,000 | 536,326,000 | 529,831,000 |
| Total loans | 365,294,000 | 372,144,000 | 369,296,000 | 372,493,000 |
| Allowance for loan losses | 4,331,000 | 4,377,000 | 4,311,000 | 4,428,000 |
| Securities available for sale | 122,808,000 | 110,200,000 | 106,762,000 | 107,485,000 |
| Securities held to maturity | 1,761,000 | 1,050,000 | 1,249,000 | 1,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,071,000 | 460,214,000 | 476,258,000 | 468,881,000 |
| Interest-bearing deposits | 354,626,000 | 343,777,000 | 362,681,000 | 343,262,000 |
| Noninterest-bearing deposits | 128,445,000 | 116,437,000 | 113,577,000 | 125,619,000 |
| Equity capital | 55,930,000 | 56,732,000 | 57,736,000 | 58,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,198,000 | 12,669,000 | 19,146,000 | 25,657,000 |
| Interest expense | 1,769,000 | 3,662,000 | 5,598,000 | 7,360,000 |
| Net interest income | 4,429,000 | 9,007,000 | 13,548,000 | 18,297,000 |
| Noninterest income | 527,000 | 1,021,000 | 1,615,000 | 2,278,000 |
| Noninterest expense | 2,726,000 | 5,667,000 | 8,667,000 | 11,791,000 |
| Provision for loan losses | 150,000 | 195,000 | 220,000 | 470,000 |
| Pretax income | 2,090,000 | 4,189,000 | 6,296,000 | 8,335,000 |
| Income tax | 437,000 | 873,000 | 1,309,000 | 1,725,000 |
| Net income | 1,653,000 | 3,316,000 | 4,987,000 | 6,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,605,000 | 50,819,000 | 51,042,000 | 51,216,000 |
| Total capital | 54,936,000 | 55,196,000 | 55,353,000 | 55,644,000 |
| Risk-weighted assets | 397,920,000 | 404,200,000 | 401,087,000 | 403,559,000 |