Call reports 2016
SHELBY STATE BANK, THE — 2016
What SHELBY STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 227,782,000 | 226,689,000 | 236,006,000 | 233,617,000 |
| Total loans | 138,496,000 | 142,202,000 | 142,294,000 | 144,079,000 |
| Allowance for loan losses | 1,667,000 | 1,652,000 | 1,643,000 | 1,624,000 |
| Securities available for sale | 64,483,000 | 59,325,000 | 62,673,000 | 65,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,012,000 | 199,903,000 | 207,279,000 | 204,284,000 |
| Interest-bearing deposits | 156,079,000 | 150,779,000 | 153,813,000 | 151,379,000 |
| Noninterest-bearing deposits | 43,933,000 | 49,124,000 | 53,466,000 | 52,905,000 |
| Equity capital | 21,045,000 | 21,259,000 | 21,372,000 | 20,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,039,000 | 6,122,000 | 8,192,000 |
| Interest expense | 119,000 | 239,000 | 366,000 | 495,000 |
| Net interest income | 1,891,000 | 3,800,000 | 5,756,000 | 7,697,000 |
| Noninterest income | 1,091,000 | 1,967,000 | 2,921,000 | 3,762,000 |
| Noninterest expense | 2,355,000 | 4,665,000 | 7,110,000 | 9,412,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 627,000 | 1,138,000 | 1,695,000 | 2,175,000 |
| Income tax | 181,000 | 326,000 | 488,000 | 466,000 |
| Net income | 446,000 | 812,000 | 1,207,000 | 1,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,847,000 | 19,973,000 | 20,153,000 | 20,375,000 |
| Total capital | 21,514,000 | 21,625,000 | 21,796,000 | 21,999,000 |
| Risk-weighted assets | 160,202,000 | 165,407,000 | 165,885,000 | 168,957,000 |