Call reports 2006
FIRST STATE BANK OF SHELBY, THE — 2006
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,413,000 | 74,956,000 | 79,761,000 | 80,942,000 |
| Total loans | 23,935,000 | 26,188,000 | 27,330,000 | 25,202,000 |
| Allowance for loan losses | 414,000 | 440,000 | 507,000 | 513,000 |
| Securities available for sale | 32,700,000 | 33,175,000 | 32,675,000 | 34,314,000 |
| Securities held to maturity | 9,965,000 | 9,710,000 | 9,825,000 | 9,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,994,000 | 61,502,000 | 65,687,000 | 66,669,000 |
| Interest-bearing deposits | 43,955,000 | 42,650,000 | 43,022,000 | 43,724,000 |
| Noninterest-bearing deposits | 19,039,000 | 18,852,000 | 22,665,000 | 22,945,000 |
| Equity capital | 13,151,000 | 13,261,000 | 13,819,000 | 14,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,945,000 | 2,979,000 | 4,061,000 |
| Interest expense | 202,000 | 431,000 | 691,000 | 978,000 |
| Net interest income | 758,000 | 1,514,000 | 2,288,000 | 3,083,000 |
| Noninterest income | 135,000 | 310,000 | 430,000 | 522,000 |
| Noninterest expense | 430,000 | 844,000 | 1,282,000 | 1,781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 463,000 | 980,000 | 1,440,000 | 1,817,000 |
| Income tax | 180,000 | 379,000 | 553,000 | 592,000 |
| Net income | 283,000 | 601,000 | 887,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,662,000 | 13,980,000 | 14,265,000 | 14,405,000 |
| Total capital | 14,076,000 | 14,420,000 | 14,772,000 | 14,892,000 |
| Risk-weighted assets | 37,315,000 | 39,077,000 | 41,034,000 | 38,941,000 |