Call reports 2004
FIRST STATE BANK OF SHELBY, THE — 2004
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,867,000 | 70,820,000 | 70,917,000 | 73,555,000 |
| Total loans | 24,121,000 | 26,735,000 | 28,413,000 | 25,717,000 |
| Allowance for loan losses | 364,000 | 365,000 | 365,000 | 391,000 |
| Securities available for sale | 31,256,000 | 28,693,000 | 27,203,000 | 31,904,000 |
| Securities held to maturity | 10,561,000 | 10,551,000 | 10,541,000 | 10,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,222,000 | 58,495,000 | 57,956,000 | 61,093,000 |
| Interest-bearing deposits | 44,584,000 | 45,234,000 | 43,380,000 | 43,656,000 |
| Noninterest-bearing deposits | 14,638,000 | 13,261,000 | 14,576,000 | 17,437,000 |
| Equity capital | 12,215,000 | 12,029,000 | 12,529,000 | 12,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,694,000 | 2,580,000 | 3,471,000 |
| Interest expense | 165,000 | 323,000 | 475,000 | 625,000 |
| Net interest income | 651,000 | 1,371,000 | 2,105,000 | 2,846,000 |
| Noninterest income | 141,000 | 267,000 | 395,000 | 477,000 |
| Noninterest expense | 433,000 | 839,000 | 1,255,000 | 1,730,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 374,000 | 808,000 | 1,248,000 | 1,586,000 |
| Income tax | 144,000 | 308,000 | 480,000 | 485,000 |
| Net income | 230,000 | 500,000 | 768,000 | 1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,970,000 | 12,239,000 | 12,507,000 | 12,403,000 |
| Total capital | 12,334,000 | 12,604,000 | 12,872,000 | 12,794,000 |
| Risk-weighted assets | 39,000,000 | 41,547,000 | 41,265,000 | 38,959,000 |