Call reports 2013
SHELBY STATE BANK, THE — 2013
What SHELBY STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 222,729,000 | 218,270,000 | 217,788,000 | 210,498,000 |
| Total loans | 121,031,000 | 123,532,000 | 123,218,000 | 125,374,000 |
| Allowance for loan losses | 2,021,000 | 2,053,000 | 2,017,000 | 2,013,000 |
| Securities available for sale | 78,375,000 | 71,809,000 | 72,489,000 | 66,172,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,916,000 | 188,729,000 | 189,089,000 | 184,558,000 |
| Interest-bearing deposits | 156,124,000 | 150,423,000 | 148,494,000 | 145,998,000 |
| Noninterest-bearing deposits | 36,792,000 | 38,306,000 | 40,595,000 | 38,560,000 |
| Equity capital | 20,823,000 | 19,883,000 | 19,926,000 | 20,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,078,000 | 4,175,000 | 6,278,000 | 8,293,000 |
| Interest expense | 179,000 | 342,000 | 493,000 | 638,000 |
| Net interest income | 1,899,000 | 3,833,000 | 5,785,000 | 7,655,000 |
| Noninterest income | 801,000 | 1,663,000 | 2,559,000 | 3,281,000 |
| Noninterest expense | 2,094,000 | 4,232,000 | 6,439,000 | 8,580,000 |
| Provision for loan losses | 150,000 | 240,000 | 275,000 | 275,000 |
| Pretax income | 456,000 | 1,029,000 | 1,635,000 | 2,168,000 |
| Income tax | 125,000 | 289,000 | 466,000 | 577,000 |
| Net income | 331,000 | 740,000 | 1,169,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,625,000 | 18,791,000 | 18,992,000 | 19,186,000 |
| Total capital | 20,330,000 | 20,518,000 | 20,735,000 | 20,945,000 |
| Risk-weighted assets | 134,628,000 | 136,714,000 | 137,595,000 | 138,365,000 |