Call reports 2019
SHELBY COUNTY STATE BANK — 2019
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 249,154,000 | 251,889,000 | 257,423,000 | 247,430,000 |
| Total loans | 199,884,000 | 199,321,000 | 197,221,000 | 201,789,000 |
| Allowance for loan losses | 1,653,000 | 1,683,000 | 1,718,000 | 1,749,000 |
| Securities available for sale | 38,768,000 | 39,692,000 | 40,201,000 | 37,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,039,000 | 211,350,000 | 216,274,000 | 210,607,000 |
| Interest-bearing deposits | 175,996,000 | 180,394,000 | 180,453,000 | 170,238,000 |
| Noninterest-bearing deposits | 33,043,000 | 30,956,000 | 35,821,000 | 40,369,000 |
| Equity capital | 24,727,000 | 25,123,000 | 25,613,000 | 26,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,544,000 | 5,091,000 | 7,695,000 | 10,229,000 |
| Interest expense | 353,000 | 720,000 | 1,097,000 | 1,433,000 |
| Net interest income | 2,191,000 | 4,371,000 | 6,598,000 | 8,796,000 |
| Noninterest income | 347,000 | 612,000 | 881,000 | 1,180,000 |
| Noninterest expense | 1,660,000 | 3,160,000 | 4,727,000 | 6,262,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 848,000 | 1,763,000 | 2,662,000 | 3,598,000 |
| Income tax | 44,000 | 44,000 | 44,000 | 44,000 |
| Net income | 804,000 | 1,719,000 | 2,618,000 | 3,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,029,000 | 24,939,000 | 25,263,000 | 25,594,000 |
| Total capital | 26,682,000 | 26,622,000 | 26,981,000 | 27,343,000 |
| Risk-weighted assets | 193,662,000 | 193,542,000 | 193,006,000 | 195,387,000 |