Call reports 2004
SHELBY COUNTY STATE BANK — 2004
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 135,828,000 | 129,946,000 | 130,315,000 | 132,203,000 |
| Total loans | 67,770,000 | 69,065,000 | 69,360,000 | 71,190,000 |
| Allowance for loan losses | 679,000 | 676,000 | 674,000 | 625,000 |
| Securities available for sale | 49,892,000 | 50,184,000 | 47,411,000 | 48,537,000 |
| Securities held to maturity | 2,180,000 | 2,180,000 | 2,179,000 | 1,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,145,000 | 111,686,000 | 111,091,000 | 113,420,000 |
| Interest-bearing deposits | 103,874,000 | 100,793,000 | 100,297,000 | 100,981,000 |
| Noninterest-bearing deposits | 12,271,000 | 10,893,000 | 10,794,000 | 12,439,000 |
| Equity capital | 16,772,000 | 15,372,000 | 16,438,000 | 16,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,600,000 | 3,204,000 | 4,771,000 | 6,342,000 |
| Interest expense | 460,000 | 899,000 | 1,334,000 | 1,771,000 |
| Net interest income | 1,140,000 | 2,305,000 | 3,437,000 | 4,571,000 |
| Noninterest income | 159,000 | 343,000 | 495,000 | 660,000 |
| Noninterest expense | 859,000 | 1,749,000 | 2,663,000 | 3,526,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 506,000 | 1,063,000 | 1,433,000 | 1,869,000 |
| Income tax | 16,000 | 15,000 | 61,000 | 91,000 |
| Net income | 490,000 | 1,048,000 | 1,372,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,800,000 | 15,937,000 | 16,066,000 | 16,422,000 |
| Total capital | 16,479,000 | 16,613,000 | 16,740,000 | 17,047,000 |
| Risk-weighted assets | 80,269,000 | 78,817,000 | 78,885,000 | 80,062,000 |
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