Call reports 2014
SHELBY COUNTY STATE BANK — 2014
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 217,677,000 | 213,626,000 | 214,987,000 | 214,413,000 |
| Total loans | 130,520,000 | 131,059,000 | 134,072,000 | 138,659,000 |
| Allowance for loan losses | 1,195,000 | 1,240,000 | 1,291,000 | 1,283,000 |
| Securities available for sale | 76,348,000 | 73,146,000 | 67,001,000 | 64,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,025,000 | 191,092,000 | 192,848,000 | 191,683,000 |
| Interest-bearing deposits | 169,676,000 | 165,181,000 | 164,570,000 | 161,761,000 |
| Noninterest-bearing deposits | 26,349,000 | 25,911,000 | 28,278,000 | 29,922,000 |
| Equity capital | 21,109,000 | 21,532,000 | 21,534,000 | 22,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,628,000 | 5,456,000 | 7,275,000 |
| Interest expense | 141,000 | 274,000 | 406,000 | 533,000 |
| Net interest income | 1,674,000 | 3,354,000 | 5,050,000 | 6,742,000 |
| Noninterest income | 276,000 | 521,000 | 765,000 | 1,033,000 |
| Noninterest expense | 1,283,000 | 2,543,000 | 3,859,000 | 5,120,000 |
| Provision for loan losses | 15,000 | 60,000 | 105,000 | 120,000 |
| Pretax income | 652,000 | 1,272,000 | 1,902,000 | 2,585,000 |
| Income tax | 29,000 | 29,000 | 29,000 | 29,000 |
| Net income | 623,000 | 1,243,000 | 1,873,000 | 2,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,945,000 | 20,849,000 | 21,088,000 | 21,485,000 |
| Total capital | 22,140,000 | 22,089,000 | 22,379,000 | 22,768,000 |
| Risk-weighted assets | 128,653,000 | 126,563,000 | 132,527,000 | 135,531,000 |