Call reports 2003
SHELBY COUNTY STATE BANK — 2003
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 137,304,000 | 131,504,000 | 128,962,000 | 130,377,000 |
| Total loans | 68,796,000 | 70,100,000 | 70,306,000 | 71,156,000 |
| Allowance for loan losses | 791,000 | 751,000 | 704,000 | 688,000 |
| Securities available for sale | 53,091,000 | 47,283,000 | 43,750,000 | 46,011,000 |
| Securities held to maturity | 3,414,000 | 3,413,000 | 2,912,000 | 2,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,853,000 | 112,668,000 | 110,048,000 | 112,019,000 |
| Interest-bearing deposits | 107,314,000 | 101,240,000 | 99,997,000 | 101,119,000 |
| Noninterest-bearing deposits | 10,539,000 | 11,428,000 | 10,051,000 | 10,900,000 |
| Equity capital | 16,693,000 | 16,430,000 | 16,150,000 | 16,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,062,000 | 3,783,000 | 5,419,000 | 7,051,000 |
| Interest expense | 684,000 | 1,320,000 | 1,862,000 | 2,338,000 |
| Net interest income | 1,378,000 | 2,463,000 | 3,557,000 | 4,713,000 |
| Noninterest income | 163,000 | 338,000 | 507,000 | 877,000 |
| Noninterest expense | 889,000 | 1,556,000 | 2,467,000 | 3,575,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 622,000 | 1,272,000 | 1,594,000 | 1,985,000 |
| Income tax | 0 | 181,000 | 182,000 | 200,000 |
| Net income | 622,000 | 1,091,000 | 1,412,000 | 1,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,350,000 | 15,112,000 | 15,210,000 | 15,334,000 |
| Total capital | 16,141,000 | 15,863,000 | 15,914,000 | 16,022,000 |
| Risk-weighted assets | 81,043,000 | 80,518,000 | 81,491,000 | 82,271,000 |
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