Call reports 2002
SHELBY COUNTY STATE BANK — 2002
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 133,360,000 | 134,107,000 | 135,598,000 | 133,252,000 |
| Total loans | 68,363,000 | 69,679,000 | 71,503,000 | 71,023,000 |
| Allowance for loan losses | 909,000 | 764,000 | 775,000 | 761,000 |
| Securities available for sale | 52,854,000 | 50,015,000 | 50,315,000 | 48,923,000 |
| Securities held to maturity | 4,516,000 | 4,215,000 | 4,114,000 | 3,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,018,000 | 114,995,000 | 116,370,000 | 114,561,000 |
| Interest-bearing deposits | 105,544,000 | 105,503,000 | 106,286,000 | 104,666,000 |
| Noninterest-bearing deposits | 10,474,000 | 9,492,000 | 10,084,000 | 9,895,000 |
| Equity capital | 14,554,000 | 15,196,000 | 15,762,000 | 16,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,042,000 | 4,073,000 | 6,072,000 | 8,022,000 |
| Interest expense | 905,000 | 1,718,000 | 2,510,000 | 3,263,000 |
| Net interest income | 1,137,000 | 2,355,000 | 3,562,000 | 4,759,000 |
| Noninterest income | 117,000 | 254,000 | 393,000 | 554,000 |
| Noninterest expense | 833,000 | 1,676,000 | 2,555,000 | 3,441,000 |
| Provision for loan losses | 15,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 441,000 | 932,000 | 1,390,000 | 1,831,000 |
| Income tax | 111,000 | 244,000 | 358,000 | 469,000 |
| Net income | 330,000 | 688,000 | 1,032,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,462,000 | 14,577,000 | 14,814,000 | 15,062,000 |
| Total capital | 15,371,000 | 15,341,000 | 15,589,000 | 15,823,000 |
| Risk-weighted assets | 78,685,000 | 76,853,000 | 81,882,000 | 81,039,000 |
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