Call reports 2015
SHELBY COUNTY STATE BANK — 2015
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 218,025,000 | 215,085,000 | 219,371,000 | 223,006,000 |
| Total loans | 130,918,000 | 135,505,000 | 140,227,000 | 149,704,000 |
| Allowance for loan losses | 1,293,000 | 1,309,000 | 1,316,000 | 1,310,000 |
| Securities available for sale | 71,693,000 | 70,318,000 | 67,640,000 | 64,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,187,000 | 188,042,000 | 189,561,000 | 187,746,000 |
| Interest-bearing deposits | 166,309,000 | 161,767,000 | 160,814,000 | 155,578,000 |
| Noninterest-bearing deposits | 28,878,000 | 26,275,000 | 28,747,000 | 32,168,000 |
| Equity capital | 22,551,000 | 22,222,000 | 22,440,000 | 22,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,519,000 | 5,351,000 | 7,273,000 |
| Interest expense | 124,000 | 246,000 | 372,000 | 498,000 |
| Net interest income | 1,631,000 | 3,273,000 | 4,979,000 | 6,775,000 |
| Noninterest income | 250,000 | 490,000 | 741,000 | 984,000 |
| Noninterest expense | 1,305,000 | 2,593,000 | 3,861,000 | 5,190,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 611,000 | 1,190,000 | 1,879,000 | 2,589,000 |
| Income tax | 35,000 | 35,000 | 36,000 | 36,000 |
| Net income | 576,000 | 1,155,000 | 1,843,000 | 2,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,969,000 | 21,906,000 | 22,172,000 | 22,370,000 |
| Total capital | 23,262,000 | 23,215,000 | 23,488,000 | 23,680,000 |
| Risk-weighted assets | 132,227,000 | 145,730,000 | 154,313,000 | 161,560,000 |