Call reports 2013
SHELBY COUNTY STATE BANK — 2013
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 226,015,000 | 219,301,000 | 220,039,000 | 227,205,000 |
| Total loans | 107,225,000 | 112,300,000 | 119,607,000 | 131,399,000 |
| Allowance for loan losses | 1,057,000 | 1,112,000 | 1,165,000 | 1,180,000 |
| Securities available for sale | 99,035,000 | 96,407,000 | 89,677,000 | 83,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,296,000 | 198,143,000 | 191,322,000 | 193,449,000 |
| Interest-bearing deposits | 172,260,000 | 171,167,000 | 164,344,000 | 163,356,000 |
| Noninterest-bearing deposits | 31,036,000 | 26,976,000 | 26,978,000 | 30,093,000 |
| Equity capital | 21,925,000 | 20,341,000 | 20,210,000 | 20,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,705,000 | 3,375,000 | 5,062,000 | 6,864,000 |
| Interest expense | 197,000 | 379,000 | 537,000 | 681,000 |
| Net interest income | 1,508,000 | 2,996,000 | 4,525,000 | 6,183,000 |
| Noninterest income | 244,000 | 480,000 | 717,000 | 971,000 |
| Noninterest expense | 1,237,000 | 2,466,000 | 3,729,000 | 5,005,000 |
| Provision for loan losses | 75,000 | 130,000 | 175,000 | 190,000 |
| Pretax income | 520,000 | 962,000 | 1,420,000 | 2,041,000 |
| Income tax | 0 | 22,000 | 21,000 | 23,000 |
| Net income | 520,000 | 940,000 | 1,399,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,043,000 | 20,010,000 | 20,206,000 | 20,407,000 |
| Total capital | 21,100,000 | 21,122,000 | 21,371,000 | 21,587,000 |
| Risk-weighted assets | 111,720,000 | 114,526,000 | 120,291,000 | 130,866,000 |