Call reports 2010
SHELBY COUNTY STATE BANK — 2010
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 177,326,000 | 176,420,000 | 181,017,000 | 186,372,000 |
| Total loans | 102,584,000 | 104,102,000 | 104,922,000 | 106,351,000 |
| Allowance for loan losses | 706,000 | 761,000 | 704,000 | 686,000 |
| Securities available for sale | 59,410,000 | 62,467,000 | 64,004,000 | 68,597,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,708,000 | 154,444,000 | 158,846,000 | 164,745,000 |
| Interest-bearing deposits | 137,554,000 | 138,191,000 | 141,907,000 | 145,611,000 |
| Noninterest-bearing deposits | 18,154,000 | 16,253,000 | 16,939,000 | 19,134,000 |
| Equity capital | 19,417,000 | 19,841,000 | 20,092,000 | 19,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 3,913,000 | 5,897,000 | 7,855,000 |
| Interest expense | 498,000 | 994,000 | 1,472,000 | 1,914,000 |
| Net interest income | 1,448,000 | 2,919,000 | 4,425,000 | 5,941,000 |
| Noninterest income | 211,000 | 458,000 | 711,000 | 978,000 |
| Noninterest expense | 1,172,000 | 2,325,000 | 3,504,000 | 4,788,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 463,000 | 980,000 | 1,501,000 | 1,942,000 |
| Income tax | 5,000 | 1,000 | -2,000 | -2,000 |
| Net income | 458,000 | 979,000 | 1,503,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,017,000 | 18,143,000 | 18,342,000 | 18,548,000 |
| Total capital | 18,723,000 | 18,904,000 | 19,046,000 | 19,234,000 |
| Risk-weighted assets | 107,567,000 | 107,611,000 | 109,690,000 | 111,016,000 |