Call reports 2005
FIRST STATE BANK OF SHELBY, THE — 2005
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 72,173,000 | 71,765,000 | 73,741,000 | 79,286,000 |
| Total loans | 24,106,000 | 26,752,000 | 28,475,000 | 24,518,000 |
| Allowance for loan losses | 389,000 | 393,000 | 409,000 | 402,000 |
| Securities available for sale | 31,131,000 | 30,484,000 | 28,988,000 | 32,779,000 |
| Securities held to maturity | 10,341,000 | 10,081,000 | 9,876,000 | 10,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,677,000 | 58,804,000 | 60,556,000 | 66,223,000 |
| Interest-bearing deposits | 43,918,000 | 42,320,000 | 41,389,000 | 43,692,000 |
| Noninterest-bearing deposits | 15,759,000 | 16,484,000 | 19,167,000 | 22,531,000 |
| Equity capital | 12,304,000 | 12,781,000 | 12,977,000 | 12,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,740,000 | 2,661,000 | 3,594,000 |
| Interest expense | 148,000 | 302,000 | 465,000 | 647,000 |
| Net interest income | 711,000 | 1,438,000 | 2,196,000 | 2,947,000 |
| Noninterest income | 101,000 | 207,000 | 320,000 | 431,000 |
| Noninterest expense | 421,000 | 821,000 | 1,255,000 | 1,749,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 391,000 | 824,000 | 1,261,000 | 1,629,000 |
| Income tax | 167,000 | 321,000 | 487,000 | 503,000 |
| Net income | 224,000 | 503,000 | 774,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,627,000 | 12,906,000 | 13,177,000 | 13,379,000 |
| Total capital | 13,016,000 | 13,299,000 | 13,586,000 | 13,781,000 |
| Risk-weighted assets | 37,751,000 | 39,083,000 | 41,421,000 | 39,262,000 |