Call reports 2011
SHELBY COUNTY STATE BANK — 2011
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 195,547,000 | 196,328,000 | 194,563,000 | 203,024,000 |
| Total loans | 104,091,000 | 101,438,000 | 104,693,000 | 111,119,000 |
| Allowance for loan losses | 737,000 | 812,000 | 860,000 | 890,000 |
| Securities available for sale | 77,676,000 | 84,167,000 | 79,589,000 | 81,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,870,000 | 174,003,000 | 171,547,000 | 179,919,000 |
| Interest-bearing deposits | 154,311,000 | 156,228,000 | 151,690,000 | 155,381,000 |
| Noninterest-bearing deposits | 19,560,000 | 17,775,000 | 19,856,000 | 24,538,000 |
| Equity capital | 19,681,000 | 20,387,000 | 20,983,000 | 20,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,800,000 | 5,676,000 | 7,562,000 |
| Interest expense | 411,000 | 801,000 | 1,174,000 | 1,519,000 |
| Net interest income | 1,493,000 | 2,999,000 | 4,502,000 | 6,043,000 |
| Noninterest income | 272,000 | 513,000 | 810,000 | 1,069,000 |
| Noninterest expense | 1,246,000 | 2,437,000 | 3,666,000 | 4,950,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 285,000 |
| Pretax income | 459,000 | 940,000 | 1,550,000 | 1,991,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 447,000 | 928,000 | 1,538,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,595,000 | 18,807,000 | 19,096,000 | 19,151,000 |
| Total capital | 19,332,000 | 19,619,000 | 19,956,000 | 20,041,000 |
| Risk-weighted assets | 111,925,000 | 110,773,000 | 114,139,000 | 120,417,000 |