Call reports 2018
SHELBY STATE BANK, THE — 2018
What SHELBY STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 244,964,000 | 242,046,000 | 247,801,000 | 245,537,000 |
| Total loans | 157,040,000 | 161,274,000 | 158,586,000 | 163,212,000 |
| Allowance for loan losses | 1,669,000 | 1,699,000 | 1,730,000 | 1,723,000 |
| Securities available for sale | 67,787,000 | 55,896,000 | 59,173,000 | 59,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,935,000 | 214,708,000 | 216,507,000 | 216,280,000 |
| Interest-bearing deposits | 158,073,000 | 151,013,000 | 148,793,000 | 150,867,000 |
| Noninterest-bearing deposits | 57,862,000 | 63,695,000 | 67,714,000 | 65,412,000 |
| Equity capital | 20,926,000 | 20,993,000 | 21,067,000 | 21,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,284,000 | 4,602,000 | 7,009,000 | 9,464,000 |
| Interest expense | 129,000 | 276,000 | 419,000 | 583,000 |
| Net interest income | 2,155,000 | 4,326,000 | 6,590,000 | 8,881,000 |
| Noninterest income | 906,000 | 1,802,000 | 2,697,000 | 3,575,000 |
| Noninterest expense | 2,552,000 | 5,116,000 | 7,671,000 | 10,218,000 |
| Provision for loan losses | 50,000 | 77,000 | 122,000 | 122,000 |
| Pretax income | 459,000 | 932,000 | 1,491,000 | 2,113,000 |
| Income tax | 87,000 | 180,000 | 276,000 | 321,000 |
| Net income | 372,000 | 752,000 | 1,215,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,081,000 | 21,218,000 | 21,466,000 | 21,770,000 |
| Total capital | 22,750,000 | 22,917,000 | 23,196,000 | 23,493,000 |
| Risk-weighted assets | 183,752,000 | 183,111,000 | 184,136,000 | 188,002,000 |