Call reports 2010
SHELBY STATE BANK, THE — 2010
What SHELBY STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 180,470,000 | 188,095,000 | 197,001,000 | 199,975,000 |
| Total loans | 118,299,000 | 116,318,000 | 116,380,000 | 116,317,000 |
| Allowance for loan losses | 1,543,000 | 1,758,000 | 1,644,000 | 1,701,000 |
| Securities available for sale | 40,968,000 | 42,742,000 | 50,622,000 | 52,483,000 |
| Securities held to maturity | 190,000 | 193,000 | 195,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,143,000 | 163,468,000 | 171,078,000 | 173,633,000 |
| Interest-bearing deposits | 130,066,000 | 135,952,000 | 142,108,000 | 144,687,000 |
| Noninterest-bearing deposits | 25,077,000 | 27,516,000 | 28,970,000 | 28,946,000 |
| Equity capital | 18,786,000 | 18,818,000 | 19,147,000 | 18,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,289,000 | 4,550,000 | 6,848,000 | 9,082,000 |
| Interest expense | 485,000 | 967,000 | 1,477,000 | 1,981,000 |
| Net interest income | 1,804,000 | 3,583,000 | 5,371,000 | 7,101,000 |
| Noninterest income | 756,000 | 1,521,000 | 2,206,000 | 2,896,000 |
| Noninterest expense | 1,925,000 | 3,876,000 | 5,771,000 | 7,471,000 |
| Provision for loan losses | 135,000 | 395,000 | 405,000 | 515,000 |
| Pretax income | 501,000 | 1,006,000 | 1,574,000 | 2,184,000 |
| Income tax | 137,000 | 278,000 | 437,000 | 548,000 |
| Net income | 364,000 | 728,000 | 1,137,000 | 1,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,252,000 | 17,356,000 | 17,526,000 | 17,739,000 |
| Total capital | 18,789,000 | 18,879,000 | 19,061,000 | 19,318,000 |
| Risk-weighted assets | 122,231,000 | 120,811,000 | 122,696,000 | 123,526,000 |