Call reports 2015
FIRST STATE BANK OF SHELBY, THE — 2015
What FIRST STATE BANK OF SHELBY, THE 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 | 136,111,000 | 130,721,000 | 129,801,000 | 130,256,000 |
| Total loans | 22,806,000 | 25,885,000 | 27,677,000 | 23,195,000 |
| Allowance for loan losses | 576,000 | 573,000 | 577,000 | 543,000 |
| Securities available for sale | 68,676,000 | 65,728,000 | 60,033,000 | 59,746,000 |
| Securities held to maturity | 35,660,000 | 34,819,000 | 38,734,000 | 39,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,406,000 | 105,398,000 | 103,420,000 | 104,606,000 |
| Interest-bearing deposits | 74,887,000 | 71,586,000 | 69,713,000 | 70,472,000 |
| Noninterest-bearing deposits | 35,519,000 | 33,812,000 | 33,707,000 | 34,134,000 |
| Equity capital | 24,741,000 | 24,700,000 | 25,400,000 | 25,260,000 |
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 | 1,049,000 | 2,093,000 | 3,183,000 | 4,258,000 |
| Interest expense | 98,000 | 193,000 | 287,000 | 381,000 |
| Net interest income | 951,000 | 1,900,000 | 2,896,000 | 3,877,000 |
| Noninterest income | 83,000 | 200,000 | 283,000 | 356,000 |
| Noninterest expense | 475,000 | 970,000 | 1,477,000 | 2,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 597,000 | 1,168,000 | 1,829,000 | 2,281,000 |
| Income tax | 232,000 | 452,000 | 707,000 | 405,000 |
| Net income | 365,000 | 716,000 | 1,122,000 | 1,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,076,000 | 24,427,000 | 24,833,000 | 24,937,000 |
| Total capital | 24,652,000 | 25,000,000 | 25,410,000 | 25,480,000 |
| Risk-weighted assets | 46,506,000 | 49,647,000 | 51,370,000 | 46,932,000 |