Call reports 2009
FIRST STATE BANK OF SHELBY, THE — 2009
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 92,679,000 | 90,359,000 | 93,144,000 | 96,612,000 |
| Total loans | 25,482,000 | 28,792,000 | 30,825,000 | 26,910,000 |
| Allowance for loan losses | 485,000 | 455,000 | 449,000 | 522,000 |
| Securities available for sale | 34,298,000 | 33,539,000 | 32,314,000 | 30,118,000 |
| Securities held to maturity | 16,514,000 | 19,610,000 | 21,765,000 | 26,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,616,000 | 71,804,000 | 73,647,000 | 77,581,000 |
| Interest-bearing deposits | 51,659,000 | 50,564,000 | 51,682,000 | 51,882,000 |
| Noninterest-bearing deposits | 22,957,000 | 21,240,000 | 21,965,000 | 25,699,000 |
| Equity capital | 17,282,000 | 17,701,000 | 18,335,000 | 18,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,170,000 | 3,283,000 | 4,356,000 |
| Interest expense | 215,000 | 426,000 | 627,000 | 823,000 |
| Net interest income | 880,000 | 1,744,000 | 2,656,000 | 3,533,000 |
| Noninterest income | 146,000 | 300,000 | 457,000 | 653,000 |
| Noninterest expense | 472,000 | 898,000 | 1,376,000 | 2,035,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,218,000 | 1,809,000 | 2,297,000 |
| Income tax | 215,000 | 469,000 | 697,000 | 667,000 |
| Net income | 361,000 | 749,000 | 1,112,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,862,000 | 17,249,000 | 17,613,000 | 17,731,000 |
| Total capital | 17,335,000 | 17,704,000 | 18,062,000 | 18,252,000 |
| Risk-weighted assets | 37,861,000 | 43,594,000 | 45,107,000 | 41,673,000 |