Call reports 2015
SHELBY STATE BANK, THE — 2015
What SHELBY STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 221,893,000 | 218,269,000 | 228,067,000 | 228,930,000 |
| Total loans | 127,337,000 | 132,290,000 | 135,413,000 | 137,519,000 |
| Allowance for loan losses | 1,760,000 | 1,764,000 | 1,750,000 | 1,679,000 |
| Securities available for sale | 64,708,000 | 60,793,000 | 66,942,000 | 65,865,000 |
| Securities held to maturity | 1,000 | 1,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,973,000 | 191,972,000 | 199,792,000 | 198,646,000 |
| Interest-bearing deposits | 151,374,000 | 146,776,000 | 147,624,000 | 147,201,000 |
| Noninterest-bearing deposits | 41,599,000 | 45,195,000 | 52,168,000 | 51,445,000 |
| Equity capital | 21,454,000 | 21,154,000 | 20,675,000 | 20,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,940,000 | 3,899,000 | 5,887,000 | 7,932,000 |
| Interest expense | 105,000 | 206,000 | 318,000 | 438,000 |
| Net interest income | 1,835,000 | 3,693,000 | 5,569,000 | 7,494,000 |
| Noninterest income | 857,000 | 1,568,000 | 2,573,000 | 3,439,000 |
| Noninterest expense | 2,262,000 | 4,454,000 | 6,701,000 | 8,878,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 504,000 | 881,000 | 1,515,000 | 2,195,000 |
| Income tax | 137,000 | 234,000 | 418,000 | 535,000 |
| Net income | 367,000 | 647,000 | 1,097,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,043,000 | 20,072,000 | 19,308,000 | 19,643,000 |
| Total capital | 21,803,000 | 21,836,000 | 21,058,000 | 21,322,000 |
| Risk-weighted assets | 143,396,000 | 154,036,000 | 158,408,000 | 158,855,000 |