Call reports 2002
FIRST STATE BANK OF SHELBY, THE — 2002
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,563,000 | 61,703,000 | 64,824,000 | 71,202,000 |
| Total loans | 24,460,000 | 26,731,000 | 29,003,000 | 25,412,000 |
| Allowance for loan losses | 481,000 | 389,000 | 383,000 | 389,000 |
| Securities available for sale | 25,056,000 | 21,946,000 | 22,124,000 | 23,492,000 |
| Securities held to maturity | 4,283,000 | 5,653,000 | 6,313,000 | 7,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,689,000 | 50,423,000 | 53,187,000 | 59,129,000 |
| Interest-bearing deposits | 40,397,000 | 39,570,000 | 40,844,000 | 44,576,000 |
| Noninterest-bearing deposits | 10,292,000 | 10,853,000 | 12,343,000 | 14,553,000 |
| Equity capital | 10,542,000 | 10,981,000 | 11,273,000 | 11,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,815,000 | 2,740,000 | 3,637,000 |
| Interest expense | 323,000 | 624,000 | 915,000 | 1,206,000 |
| Net interest income | 571,000 | 1,191,000 | 1,825,000 | 2,431,000 |
| Noninterest income | 123,000 | 264,000 | 386,000 | 484,000 |
| Noninterest expense | 397,000 | 774,000 | 1,155,000 | 1,639,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 297,000 | 692,000 | 1,067,000 | 1,287,000 |
| Income tax | 115,000 | 267,000 | 411,000 | 309,000 |
| Net income | 182,000 | 425,000 | 656,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,597,000 | 10,841,000 | 11,072,000 | 11,393,000 |
| Total capital | 11,052,000 | 11,230,000 | 11,455,000 | 11,782,000 |
| Risk-weighted assets | 36,372,000 | 38,628,000 | 41,669,000 | 40,021,000 |