Call reports 2025
SHELBY STATE BANK, THE — 2025
What SHELBY STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 354,043,000 | 364,445,000 | 385,800,000 | 385,777,000 |
| Total loans | 204,886,000 | 212,886,000 | 214,988,000 | 216,296,000 |
| Allowance for loan losses | 2,286,000 | 2,350,000 | 2,410,000 | 2,481,000 |
| Securities available for sale | 124,115,000 | 117,179,000 | 123,556,000 | 125,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,280,000 | 327,048,000 | 345,039,000 | 337,346,000 |
| Interest-bearing deposits | 209,902,000 | 217,188,000 | 224,364,000 | 222,161,000 |
| Noninterest-bearing deposits | 106,378,000 | 109,860,000 | 120,675,000 | 115,185,000 |
| Equity capital | 27,315,000 | 28,301,000 | 30,254,000 | 31,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,715,000 | 7,597,000 | 11,948,000 | 16,247,000 |
| Interest expense | 854,000 | 1,757,000 | 2,805,000 | 3,770,000 |
| Net interest income | 2,861,000 | 5,840,000 | 9,143,000 | 12,477,000 |
| Noninterest income | 890,000 | 1,734,000 | 2,566,000 | 3,550,000 |
| Noninterest expense | 2,932,000 | 5,893,000 | 9,031,000 | 11,899,000 |
| Provision for loan losses | 115,000 | 190,000 | 253,000 | 328,000 |
| Pretax income | 704,000 | 1,491,000 | 2,413,000 | 3,788,000 |
| Income tax | 138,000 | 296,000 | 484,000 | 762,000 |
| Net income | 566,000 | 1,195,000 | 1,929,000 | 3,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,099,000 | 33,481,000 | 33,913,000 | 34,728,000 |
| Total capital | 35,385,000 | 35,831,000 | 36,323,000 | 37,209,000 |
| Risk-weighted assets | 243,981,000 | 251,430,000 | 253,052,000 | 252,636,000 |