Call reports 2007
FIRST STATE BANK OF SHELBY, THE — 2007
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,340,000 | 77,974,000 | 81,374,000 | 86,811,000 |
| Total loans | 22,674,000 | 25,882,000 | 27,455,000 | 24,348,000 |
| Allowance for loan losses | 504,000 | 493,000 | 465,000 | 432,000 |
| Securities available for sale | 35,224,000 | 33,887,000 | 33,407,000 | 33,091,000 |
| Securities held to maturity | 9,624,000 | 10,525,000 | 10,833,000 | 12,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,575,000 | 62,987,000 | 65,672,000 | 71,216,000 |
| Interest-bearing deposits | 44,299,000 | 42,801,000 | 44,125,000 | 46,043,000 |
| Noninterest-bearing deposits | 20,276,000 | 20,186,000 | 21,547,000 | 25,173,000 |
| Equity capital | 14,402,000 | 14,464,000 | 14,986,000 | 15,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,062,000 | 2,111,000 | 3,210,000 | 4,368,000 |
| Interest expense | 305,000 | 622,000 | 953,000 | 1,291,000 |
| Net interest income | 757,000 | 1,489,000 | 2,257,000 | 3,077,000 |
| Noninterest income | 126,000 | 260,000 | 411,000 | 541,000 |
| Noninterest expense | 409,000 | 871,000 | 1,325,000 | 1,836,000 |
| Provision for loan losses | 0 | 0 | 0 | 118,000 |
| Pretax income | 474,000 | 878,000 | 1,343,000 | 1,663,000 |
| Income tax | 183,000 | 338,000 | 517,000 | 489,000 |
| Net income | 291,000 | 540,000 | 826,000 | 1,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,696,000 | 14,945,000 | 15,230,000 | 15,379,000 |
| Total capital | 15,154,000 | 15,438,000 | 15,695,000 | 15,811,000 |
| Risk-weighted assets | 36,568,000 | 39,641,000 | 40,918,000 | 39,331,000 |