Call reports 2016
SHELBY COUNTY STATE BANK — 2016
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 214,863,000 | 211,360,000 | 218,146,000 | 220,742,000 |
| Total loans | 153,201,000 | 150,354,000 | 157,941,000 | 166,859,000 |
| Allowance for loan losses | 1,340,000 | 1,374,000 | 1,406,000 | 1,376,000 |
| Securities available for sale | 54,353,000 | 52,280,000 | 50,150,000 | 45,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,069,000 | 186,793,000 | 188,860,000 | 190,255,000 |
| Interest-bearing deposits | 159,177,000 | 159,793,000 | 156,970,000 | 157,314,000 |
| Noninterest-bearing deposits | 29,892,000 | 27,000,000 | 31,890,000 | 32,941,000 |
| Equity capital | 22,992,000 | 23,203,000 | 23,367,000 | 22,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,903,000 | 3,738,000 | 5,594,000 | 7,535,000 |
| Interest expense | 132,000 | 262,000 | 398,000 | 538,000 |
| Net interest income | 1,771,000 | 3,476,000 | 5,196,000 | 6,997,000 |
| Noninterest income | 255,000 | 509,000 | 764,000 | 1,050,000 |
| Noninterest expense | 1,364,000 | 2,783,000 | 4,142,000 | 5,523,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 660,000 | 1,170,000 | 1,757,000 | 2,433,000 |
| Income tax | 39,000 | 40,000 | 40,000 | 40,000 |
| Net income | 621,000 | 1,130,000 | 1,717,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,557,000 | 22,573,000 | 22,775,000 | 22,834,000 |
| Total capital | 23,897,000 | 23,947,000 | 24,181,000 | 24,210,000 |
| Risk-weighted assets | 163,979,000 | 160,913,000 | 163,686,000 | 162,758,000 |