Call reports 2011
SHELBY STATE BANK, THE — 2011
What SHELBY STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 202,792,000 | 201,907,000 | 205,613,000 | 206,185,000 |
| Total loans | 115,046,000 | 119,865,000 | 120,118,000 | 123,524,000 |
| Allowance for loan losses | 1,762,000 | 1,736,000 | 1,770,000 | 1,861,000 |
| Securities available for sale | 62,223,000 | 56,574,000 | 67,140,000 | 63,335,000 |
| Securities held to maturity | 201,000 | 204,000 | 206,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,202,000 | 176,386,000 | 176,600,000 | 177,442,000 |
| Interest-bearing deposits | 150,598,000 | 147,254,000 | 144,663,000 | 141,443,000 |
| Noninterest-bearing deposits | 26,605,000 | 29,132,000 | 31,937,000 | 35,999,000 |
| Equity capital | 19,047,000 | 19,467,000 | 20,092,000 | 20,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,188,000 | 4,381,000 | 6,621,000 | 8,832,000 |
| Interest expense | 461,000 | 883,000 | 1,231,000 | 1,474,000 |
| Net interest income | 1,727,000 | 3,498,000 | 5,390,000 | 7,358,000 |
| Noninterest income | 825,000 | 1,531,000 | 2,288,000 | 2,977,000 |
| Noninterest expense | 1,888,000 | 3,770,000 | 5,633,000 | 7,394,000 |
| Provision for loan losses | 135,000 | 195,000 | 305,000 | 500,000 |
| Pretax income | 531,000 | 1,094,000 | 1,836,000 | 2,549,000 |
| Income tax | 143,000 | 302,000 | 520,000 | 697,000 |
| Net income | 388,000 | 792,000 | 1,316,000 | 1,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,830,000 | 17,937,000 | 18,214,000 | 18,460,000 |
| Total capital | 19,398,000 | 19,567,000 | 19,833,000 | 20,117,000 |
| Risk-weighted assets | 123,917,000 | 127,464,000 | 129,366,000 | 132,391,000 |