Call reports 2010
FIRST STATE BANK OF SHELBY, THE — 2010
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 98,891,000 | 98,863,000 | 103,753,000 | 109,316,000 |
| Total loans | 26,137,000 | 28,730,000 | 30,576,000 | 26,613,000 |
| Allowance for loan losses | 562,000 | 580,000 | 567,000 | 771,000 |
| Securities available for sale | 36,769,000 | 35,729,000 | 33,677,000 | 36,819,000 |
| Securities held to maturity | 27,263,000 | 29,134,000 | 29,689,000 | 30,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,280,000 | 78,231,000 | 83,175,000 | 89,440,000 |
| Interest-bearing deposits | 55,544,000 | 55,014,000 | 56,508,000 | 60,484,000 |
| Noninterest-bearing deposits | 23,736,000 | 23,217,000 | 26,667,000 | 28,956,000 |
| Equity capital | 18,693,000 | 19,395,000 | 19,444,000 | 19,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 2,086,000 | 3,177,000 | 4,209,000 |
| Interest expense | 179,000 | 344,000 | 503,000 | 670,000 |
| Net interest income | 816,000 | 1,742,000 | 2,674,000 | 3,539,000 |
| Noninterest income | 188,000 | 359,000 | 497,000 | 679,000 |
| Noninterest expense | 484,000 | 940,000 | 1,457,000 | 2,092,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 300,000 |
| Pretax income | 520,000 | 1,164,000 | 1,617,000 | 1,829,000 |
| Income tax | 203,000 | 452,000 | 623,000 | 379,000 |
| Net income | 317,000 | 712,000 | 994,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,048,000 | 18,443,000 | 18,726,000 | 18,832,000 |
| Total capital | 18,578,000 | 19,002,000 | 19,293,000 | 19,382,000 |
| Risk-weighted assets | 42,358,000 | 44,664,000 | 46,711,000 | 43,847,000 |