Call reports 2025
SHELBY COUNTY STATE BANK — 2025
What SHELBY COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 350,149,000 | 357,987,000 | 359,971,000 | 362,117,000 |
| Total loans | 240,937,000 | 239,647,000 | 244,355,000 | 251,676,000 |
| Allowance for loan losses | 1,868,000 | 1,871,000 | 1,638,000 | 1,689,000 |
| Securities available for sale | 98,663,000 | 99,808,000 | 101,230,000 | 100,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,289,000 | 331,113,000 | 320,730,000 | 316,514,000 |
| Interest-bearing deposits | 265,320,000 | 276,864,000 | 264,093,000 | 264,028,000 |
| Noninterest-bearing deposits | 56,969,000 | 54,249,000 | 56,637,000 | 52,486,000 |
| Equity capital | 24,070,000 | 23,193,000 | 27,245,000 | 28,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,120,000 | 8,254,000 | 12,540,000 | 16,804,000 |
| Interest expense | 1,119,000 | 2,186,000 | 3,294,000 | 4,433,000 |
| Net interest income | 3,001,000 | 6,068,000 | 9,246,000 | 12,371,000 |
| Noninterest income | 268,000 | 515,000 | 772,000 | 1,113,000 |
| Noninterest expense | 2,024,000 | 4,123,000 | 6,038,000 | 8,244,000 |
| Provision for loan losses | 3,000 | 6,000 | 90,000 | 139,000 |
| Pretax income | 1,245,000 | 2,460,000 | 3,868,000 | 5,022,000 |
| Income tax | 36,000 | 73,000 | 111,000 | 147,000 |
| Net income | 1,209,000 | 2,387,000 | 3,757,000 | 4,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,397,000 | 35,567,000 | 36,437,000 | 36,886,000 |