Call reports 2023
SHELBY COUNTY STATE BANK — 2023
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 329,410,000 | 331,364,000 | 326,732,000 | 340,900,000 |
| Total loans | 212,940,000 | 222,554,000 | 224,031,000 | 238,161,000 |
| Allowance for loan losses | 1,341,000 | 1,433,000 | 1,430,000 | 1,551,000 |
| Securities available for sale | 98,415,000 | 95,908,000 | 91,392,000 | 91,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,643,000 | 301,378,000 | 295,559,000 | 294,010,000 |
| Interest-bearing deposits | 240,790,000 | 241,619,000 | 233,486,000 | 238,510,000 |
| Noninterest-bearing deposits | 67,853,000 | 59,759,000 | 62,073,000 | 55,500,000 |
| Equity capital | 20,079,000 | 19,626,000 | 17,572,000 | 22,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 6,667,000 | 10,223,000 | 13,871,000 |
| Interest expense | 418,000 | 917,000 | 1,578,000 | 2,482,000 |
| Net interest income | 2,756,000 | 5,750,000 | 8,645,000 | 11,389,000 |
| Noninterest income | 378,000 | 668,000 | 915,000 | 1,178,000 |
| Noninterest expense | 1,714,000 | 3,446,000 | 5,280,000 | 7,097,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 230,000 |
| Pretax income | 1,355,000 | 2,847,000 | 4,095,000 | 5,080,000 |
| Income tax | 148,000 | 202,000 | 249,000 | 311,000 |
| Net income | 1,207,000 | 2,645,000 | 3,846,000 | 4,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,651,000 | 31,894,000 | 32,464,000 | 32,975,000 |