Call reports 2012
SHELBY STATE BANK, THE — 2012
What SHELBY STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 207,352,000 | 215,246,000 | 220,589,000 | 222,753,000 |
| Total loans | 118,931,000 | 126,892,000 | 126,612,000 | 124,666,000 |
| Allowance for loan losses | 1,825,000 | 2,000,000 | 1,872,000 | 1,883,000 |
| Securities available for sale | 62,200,000 | 58,613,000 | 70,283,000 | 70,199,000 |
| Securities held to maturity | 212,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,468,000 | 188,220,000 | 190,661,000 | 192,228,000 |
| Interest-bearing deposits | 148,195,000 | 150,972,000 | 152,981,000 | 153,878,000 |
| Noninterest-bearing deposits | 32,274,000 | 37,247,000 | 37,680,000 | 38,350,000 |
| Equity capital | 20,227,000 | 20,321,000 | 20,691,000 | 20,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,132,000 | 4,269,000 | 6,463,000 | 8,612,000 |
| Interest expense | 176,000 | 356,000 | 539,000 | 725,000 |
| Net interest income | 1,956,000 | 3,913,000 | 5,924,000 | 7,887,000 |
| Noninterest income | 798,000 | 1,534,000 | 2,334,000 | 3,119,000 |
| Noninterest expense | 1,968,000 | 4,063,000 | 6,119,000 | 8,153,000 |
| Provision for loan losses | 425,000 | 675,000 | 825,000 | 1,220,000 |
| Pretax income | 361,000 | 1,102,000 | 1,707,000 | 2,026,000 |
| Income tax | 92,000 | 311,000 | 486,000 | 496,000 |
| Net income | 269,000 | 791,000 | 1,221,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,503,000 | 18,317,000 | 18,497,000 | 18,523,000 |
| Total capital | 20,125,000 | 20,038,000 | 20,245,000 | 20,253,000 |
| Risk-weighted assets | 128,231,000 | 136,259,000 | 138,679,000 | 137,207,000 |