Call reports 2009
SHELBY COUNTY STATE BANK — 2009
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 167,994,000 | 169,155,000 | 168,326,000 | 173,105,000 |
| Total loans | 96,316,000 | 98,211,000 | 100,363,000 | 103,652,000 |
| Allowance for loan losses | 780,000 | 577,000 | 610,000 | 652,000 |
| Securities available for sale | 57,159,000 | 58,441,000 | 59,688,000 | 59,573,000 |
| Securities held to maturity | 300,000 | 200,000 | 200,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,464,000 | 148,188,000 | 145,113,000 | 151,626,000 |
| Interest-bearing deposits | 129,832,000 | 131,738,000 | 129,026,000 | 131,608,000 |
| Noninterest-bearing deposits | 16,631,000 | 16,451,000 | 16,087,000 | 20,018,000 |
| Equity capital | 18,913,000 | 18,649,000 | 19,356,000 | 19,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,041,000 | 4,067,000 | 6,129,000 | 8,129,000 |
| Interest expense | 730,000 | 1,369,000 | 1,908,000 | 2,417,000 |
| Net interest income | 1,311,000 | 2,698,000 | 4,221,000 | 5,712,000 |
| Noninterest income | 200,000 | 468,000 | 714,000 | 980,000 |
| Noninterest expense | 1,253,000 | 2,523,000 | 3,721,000 | 5,103,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 195,000 |
| Pretax income | 231,000 | 571,000 | 1,097,000 | 1,423,000 |
| Income tax | 16,000 | 16,000 | 16,000 | 23,000 |
| Net income | 215,000 | 555,000 | 1,081,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,829,000 | 17,870,000 | 17,815,000 | 17,809,000 |
| Total capital | 18,609,000 | 18,447,000 | 18,425,000 | 18,461,000 |
| Risk-weighted assets | 102,826,000 | 102,271,000 | 104,398,000 | 108,192,000 |