Call reports 2012
SHELBY COUNTY STATE BANK — 2012
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 212,316,000 | 209,208,000 | 206,975,000 | 212,501,000 |
| Total loans | 104,656,000 | 108,584,000 | 112,414,000 | 118,648,000 |
| Allowance for loan losses | 800,000 | 863,000 | 860,000 | 931,000 |
| Securities available for sale | 94,369,000 | 89,583,000 | 81,687,000 | 79,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,340,000 | 185,712,000 | 183,135,000 | 189,137,000 |
| Interest-bearing deposits | 165,430,000 | 161,504,000 | 160,671,000 | 160,701,000 |
| Noninterest-bearing deposits | 23,911,000 | 24,208,000 | 22,464,000 | 28,436,000 |
| Equity capital | 21,065,000 | 21,585,000 | 22,036,000 | 21,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,824,000 | 3,642,000 | 5,448,000 | 7,245,000 |
| Interest expense | 315,000 | 600,000 | 859,000 | 1,100,000 |
| Net interest income | 1,509,000 | 3,042,000 | 4,589,000 | 6,145,000 |
| Noninterest income | 275,000 | 484,000 | 721,000 | 933,000 |
| Noninterest expense | 1,246,000 | 2,475,000 | 3,748,000 | 5,052,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 463,000 | 983,000 | 1,419,000 | 1,808,000 |
| Income tax | 10,000 | 11,000 | 10,000 | 11,000 |
| Net income | 453,000 | 972,000 | 1,409,000 | 1,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,374,000 | 19,593,000 | 19,680,000 | 19,832,000 |
| Total capital | 20,174,000 | 20,456,000 | 20,540,000 | 20,763,000 |
| Risk-weighted assets | 114,771,000 | 114,357,000 | 116,810,000 | 121,423,000 |