Call reports 2016
FIRST STATE BANK OF SHELBY, THE — 2016
What FIRST STATE BANK OF SHELBY, THE 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 | 132,006,000 | 129,036,000 | 128,851,000 | 131,052,000 |
| Total loans | 22,271,000 | 25,141,000 | 26,731,000 | 23,090,000 |
| Allowance for loan losses | 536,000 | 537,000 | 539,000 | 582,000 |
| Securities available for sale | 59,314,000 | 58,070,000 | 55,144,000 | 52,807,000 |
| Securities held to maturity | 42,811,000 | 42,243,000 | 42,425,000 | 44,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,155,000 | 101,479,000 | 100,775,000 | 105,162,000 |
| Interest-bearing deposits | 73,646,000 | 71,431,000 | 68,782,000 | 70,647,000 |
| Noninterest-bearing deposits | 31,509,000 | 30,048,000 | 31,993,000 | 34,515,000 |
| Equity capital | 25,982,000 | 26,515,000 | 26,878,000 | 25,778,000 |
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 | 1,088,000 | 2,150,000 | 3,234,000 | 4,275,000 |
| Interest expense | 94,000 | 189,000 | 281,000 | 373,000 |
| Net interest income | 994,000 | 1,961,000 | 2,953,000 | 3,902,000 |
| Noninterest income | 70,000 | 145,000 | 208,000 | 295,000 |
| Noninterest expense | 475,000 | 963,000 | 1,475,000 | 2,080,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 646,000 | 1,200,000 | 1,743,000 | 2,174,000 |
| Income tax | 250,000 | 464,000 | 672,000 | 489,000 |
| Net income | 396,000 | 736,000 | 1,071,000 | 1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,332,000 | 25,673,000 | 26,006,000 | 25,972,000 |
| Total capital | 25,868,000 | 26,210,000 | 26,545,000 | 26,554,000 |
| Risk-weighted assets | 45,961,000 | 49,095,000 | 49,680,000 | 47,011,000 |