Call reports 2025
FIRST STATE BANK OF SHELBY, THE — 2025
What FIRST STATE BANK OF SHELBY, THE 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 | 159,695,000 | 159,104,000 | 165,429,000 | 164,373,000 |
| Total loans | 22,141,000 | 24,512,000 | 25,641,000 | 24,907,000 |
| Allowance for loan losses | 80,000 | 79,000 | 80,000 | 39,000 |
| Securities available for sale | 61,363,000 | 64,869,000 | 72,980,000 | 71,186,000 |
| Securities held to maturity | 52,388,000 | 52,052,000 | 51,177,000 | 50,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,471,000 | 133,817,000 | 138,198,000 | 137,883,000 |
| Interest-bearing deposits | 84,166,000 | 86,258,000 | 83,987,000 | 84,462,000 |
| Noninterest-bearing deposits | 50,305,000 | 47,559,000 | 54,211,000 | 53,421,000 |
| Equity capital | 24,583,000 | 24,627,000 | 26,433,000 | 25,780,000 |
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 | 1,283,000 | 2,627,000 | 4,027,000 | 5,487,000 |
| Interest expense | 535,000 | 1,075,000 | 1,622,000 | 2,148,000 |
| Net interest income | 748,000 | 1,552,000 | 2,405,000 | 3,339,000 |
| Noninterest income | 88,000 | 181,000 | 306,000 | 404,000 |
| Noninterest expense | 585,000 | 1,185,000 | 1,776,000 | 2,559,000 |
| Provision for loan losses | -14,000 | -14,000 | -13,000 | -64,000 |
| Pretax income | 261,000 | 556,000 | 938,000 | 1,237,000 |
| Income tax | 1,000 | 4,000 | 4,000 | 63,000 |
| Net income | 260,000 | 552,000 | 934,000 | 1,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,263,000 | 32,555,000 | 32,938,000 | 32,077,000 |