Call reports 2019
SHELBY STATE BANK, THE — 2019
What SHELBY STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 249,826,000 | 253,155,000 | 269,646,000 | 277,492,000 |
| Total loans | 168,211,000 | 169,153,000 | 168,779,000 | 173,290,000 |
| Allowance for loan losses | 1,723,000 | 1,808,000 | 1,797,000 | 1,756,000 |
| Securities available for sale | 59,437,000 | 54,734,000 | 61,917,000 | 68,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,937,000 | 224,784,000 | 238,960,000 | 247,885,000 |
| Interest-bearing deposits | 159,234,000 | 156,045,000 | 160,432,000 | 169,128,000 |
| Noninterest-bearing deposits | 60,703,000 | 68,739,000 | 78,528,000 | 78,757,000 |
| Equity capital | 22,442,000 | 23,214,000 | 23,630,000 | 23,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,486,000 | 5,084,000 | 7,760,000 | 10,409,000 |
| Interest expense | 205,000 | 443,000 | 709,000 | 992,000 |
| Net interest income | 2,281,000 | 4,641,000 | 7,051,000 | 9,417,000 |
| Noninterest income | 942,000 | 1,885,000 | 2,868,000 | 3,802,000 |
| Noninterest expense | 2,657,000 | 5,404,000 | 8,211,000 | 10,988,000 |
| Provision for loan losses | 40,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 526,000 | 1,048,000 | 1,637,000 | 2,149,000 |
| Income tax | 73,000 | 150,000 | 244,000 | 289,000 |
| Net income | 453,000 | 898,000 | 1,393,000 | 1,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,985,000 | 22,191,000 | 22,458,000 | 22,640,000 |
| Total capital | 23,708,000 | 23,999,000 | 24,255,000 | 24,396,000 |
| Risk-weighted assets | 191,135,000 | 192,914,000 | 192,763,000 | 198,517,000 |