Call reports 2022
SHELBY STATE BANK, THE — 2022
What SHELBY STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 374,466,000 | 375,138,000 | 380,777,000 | 371,707,000 |
| Total loans | 181,428,000 | 191,092,000 | 199,655,000 | 197,984,000 |
| Allowance for loan losses | 2,557,000 | 2,555,000 | 2,439,000 | 2,436,000 |
| Securities available for sale | 160,825,000 | 154,071,000 | 152,689,000 | 148,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,163,000 | 342,086,000 | 353,484,000 | 335,899,000 |
| Interest-bearing deposits | 219,142,000 | 215,949,000 | 219,197,000 | 207,869,000 |
| Noninterest-bearing deposits | 122,021,000 | 126,137,000 | 134,287,000 | 128,030,000 |
| Equity capital | 22,753,000 | 18,885,000 | 17,131,000 | 17,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,255,000 | 8,167,000 | 11,266,000 |
| Interest expense | 50,000 | 101,000 | 163,000 | 400,000 |
| Net interest income | 2,530,000 | 5,154,000 | 8,004,000 | 10,866,000 |
| Noninterest income | 801,000 | 1,523,000 | 2,256,000 | 3,078,000 |
| Noninterest expense | 2,755,000 | 5,556,000 | 8,342,000 | 11,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,121,000 | 1,918,000 | 2,612,000 |
| Income tax | 106,000 | 204,000 | 351,000 | 417,000 |
| Net income | 470,000 | 917,000 | 1,567,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,677,000 | 29,884,000 | 30,377,000 | 30,786,000 |
| Total capital | 32,234,000 | 32,439,000 | 32,816,000 | 33,222,000 |
| Risk-weighted assets | 227,326,000 | 236,860,000 | 244,361,000 | 241,305,000 |