Call reports 2023
SHELBY STATE BANK, THE — 2023
What SHELBY STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 366,707,000 | 369,214,000 | 361,682,000 | 364,572,000 |
| Total loans | 196,887,000 | 201,968,000 | 197,963,000 | 193,879,000 |
| Allowance for loan losses | 2,436,000 | 2,409,000 | 2,404,000 | 2,400,000 |
| Securities available for sale | 146,941,000 | 141,239,000 | 139,620,000 | 137,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,789,000 | 328,596,000 | 329,192,000 | 318,764,000 |
| Interest-bearing deposits | 217,403,000 | 213,199,000 | 210,196,000 | 201,333,000 |
| Noninterest-bearing deposits | 110,386,000 | 115,397,000 | 118,996,000 | 117,431,000 |
| Equity capital | 20,197,000 | 18,765,000 | 17,963,000 | 22,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,122,000 | 6,384,000 | 9,770,000 | 13,106,000 |
| Interest expense | 510,000 | 1,254,000 | 1,973,000 | 2,730,000 |
| Net interest income | 2,612,000 | 5,130,000 | 7,797,000 | 10,376,000 |
| Noninterest income | 926,000 | 1,719,000 | 2,486,000 | 3,705,000 |
| Noninterest expense | 2,967,000 | 5,830,000 | 8,733,000 | 11,665,000 |
| Provision for loan losses | 0 | -21,000 | -21,000 | -21,000 |
| Pretax income | 519,000 | 967,000 | 1,498,000 | 2,364,000 |
| Income tax | 42,000 | 108,000 | 195,000 | 264,000 |
| Net income | 477,000 | 859,000 | 1,303,000 | 2,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,043,000 | 31,177,000 | 31,400,000 | 31,978,000 |
| Total capital | 33,479,000 | 33,586,000 | 33,804,000 | 34,378,000 |
| Risk-weighted assets | 238,533,000 | 241,207,000 | 238,051,000 | 234,818,000 |