Call reports 2014
SHELBY STATE BANK, THE — 2014
What SHELBY STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 214,141,000 | 216,230,000 | 209,827,000 | 214,601,000 |
| Total loans | 128,727,000 | 128,649,000 | 128,881,000 | 125,111,000 |
| Allowance for loan losses | 1,918,000 | 1,908,000 | 1,844,000 | 1,822,000 |
| Securities available for sale | 64,940,000 | 61,993,000 | 60,282,000 | 64,830,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,617,000 | 185,634,000 | 183,954,000 | 187,749,000 |
| Interest-bearing deposits | 151,214,000 | 144,855,000 | 139,299,000 | 143,146,000 |
| Noninterest-bearing deposits | 36,402,000 | 40,779,000 | 44,656,000 | 44,603,000 |
| Equity capital | 20,382,000 | 20,636,000 | 20,829,000 | 21,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,055,000 | 4,063,000 | 6,092,000 | 8,071,000 |
| Interest expense | 137,000 | 274,000 | 394,000 | 499,000 |
| Net interest income | 1,918,000 | 3,789,000 | 5,698,000 | 7,572,000 |
| Noninterest income | 945,000 | 1,847,000 | 2,797,000 | 3,575,000 |
| Noninterest expense | 2,300,000 | 4,584,000 | 6,912,000 | 9,133,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 563,000 | 1,052,000 | 1,591,000 | 2,022,000 |
| Income tax | 167,000 | 311,000 | 456,000 | 476,000 |
| Net income | 396,000 | 741,000 | 1,135,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,353,000 | 19,449,000 | 19,615,000 | 19,743,000 |
| Total capital | 21,146,000 | 21,304,000 | 21,435,000 | 21,527,000 |
| Risk-weighted assets | 140,891,000 | 145,367,000 | 142,894,000 | 140,189,000 |