Call reports 2009
SHELBY STATE BANK, THE — 2009
What SHELBY STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 178,883,000 | 182,019,000 | 179,089,000 | 181,948,000 |
| Total loans | 116,522,000 | 114,163,000 | 118,075,000 | 120,811,000 |
| Allowance for loan losses | 1,492,000 | 1,492,000 | 1,476,000 | 1,586,000 |
| Securities available for sale | 41,498,000 | 45,723,000 | 47,009,000 | 44,995,000 |
| Securities held to maturity | 894,000 | 282,000 | 285,000 | 188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,623,000 | 157,362,000 | 153,403,000 | 153,945,000 |
| Interest-bearing deposits | 131,079,000 | 131,254,000 | 127,687,000 | 124,250,000 |
| Noninterest-bearing deposits | 23,543,000 | 26,108,000 | 25,716,000 | 29,694,000 |
| Equity capital | 17,490,000 | 17,616,000 | 18,093,000 | 18,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,353,000 | 4,719,000 | 7,245,000 | 9,749,000 |
| Interest expense | 736,000 | 1,396,000 | 1,978,000 | 2,520,000 |
| Net interest income | 1,617,000 | 3,323,000 | 5,267,000 | 7,229,000 |
| Noninterest income | 726,000 | 1,490,000 | 2,184,000 | 2,871,000 |
| Noninterest expense | 1,910,000 | 3,825,000 | 5,821,000 | 7,713,000 |
| Provision for loan losses | 125,000 | 190,000 | 200,000 | 465,000 |
| Pretax income | 311,000 | 803,000 | 1,436,000 | 1,954,000 |
| Income tax | 68,000 | 200,000 | 380,000 | 435,000 |
| Net income | 243,000 | 603,000 | 1,056,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,586,000 | 16,675,000 | 16,928,000 | 17,124,000 |
| Total capital | 18,078,000 | 18,167,000 | 18,404,000 | 18,678,000 |
| Risk-weighted assets | 120,062,000 | 117,516,000 | 121,363,000 | 124,256,000 |