Call reports 2008
SHELBY COUNTY STATE BANK — 2008
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 158,315,000 | 156,086,000 | 156,093,000 | 162,866,000 |
| Total loans | 95,942,000 | 96,867,000 | 97,189,000 | 99,204,000 |
| Allowance for loan losses | 751,000 | 750,000 | 745,000 | 740,000 |
| Securities available for sale | 44,923,000 | 49,036,000 | 47,621,000 | 48,085,000 |
| Securities held to maturity | 500,000 | 400,000 | 400,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,476,000 | 136,421,000 | 136,065,000 | 142,349,000 |
| Interest-bearing deposits | 121,096,000 | 119,618,000 | 121,865,000 | 124,265,000 |
| Noninterest-bearing deposits | 16,380,000 | 16,803,000 | 14,201,000 | 18,084,000 |
| Equity capital | 18,196,000 | 17,164,000 | 17,540,000 | 18,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,223,000 | 6,334,000 | 8,466,000 |
| Interest expense | 904,000 | 1,722,000 | 2,498,000 | 3,256,000 |
| Net interest income | 1,234,000 | 2,501,000 | 3,836,000 | 5,210,000 |
| Noninterest income | 209,000 | 468,000 | 711,000 | 987,000 |
| Noninterest expense | 1,036,000 | 2,089,000 | 3,232,000 | 4,409,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 407,000 | 880,000 | 1,315,000 | 1,796,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 402,000 | 875,000 | 1,310,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,487,000 | 17,472,000 | 17,557,000 | 17,615,000 |
| Total capital | 18,238,000 | 18,222,000 | 18,302,000 | 18,355,000 |
| Risk-weighted assets | 101,331,000 | 100,410,000 | 102,416,000 | 101,162,000 |
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