Call reports 2014
FIRST STATE BANK OF SHELBY, THE — 2014
What FIRST STATE BANK OF SHELBY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,175,000 | 136,961,000 | 135,940,000 | 138,861,000 |
| Total loans | 22,085,000 | 25,207,000 | 27,174,000 | 25,164,000 |
| Allowance for loan losses | 662,000 | 650,000 | 651,000 | 576,000 |
| Securities available for sale | 70,211,000 | 70,548,000 | 70,469,000 | 70,164,000 |
| Securities held to maturity | 30,420,000 | 30,403,000 | 30,434,000 | 32,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,052,000 | 112,299,000 | 110,651,000 | 113,979,000 |
| Interest-bearing deposits | 75,122,000 | 76,154,000 | 74,652,000 | 75,645,000 |
| Noninterest-bearing deposits | 35,930,000 | 36,145,000 | 35,999,000 | 38,334,000 |
| Equity capital | 22,584,000 | 23,566,000 | 23,974,000 | 24,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,213,000 | 3,358,000 | 4,490,000 |
| Interest expense | 88,000 | 186,000 | 285,000 | 386,000 |
| Net interest income | 1,009,000 | 2,027,000 | 3,073,000 | 4,104,000 |
| Noninterest income | 94,000 | 384,000 | 530,000 | 652,000 |
| Noninterest expense | 489,000 | 1,009,000 | 1,517,000 | 2,173,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 793,000 | 1,581,000 | 2,265,000 | 2,912,000 |
| Income tax | 345,000 | 610,000 | 874,000 | 599,000 |
| Net income | 448,000 | 971,000 | 1,391,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,646,000 | 23,168,000 | 23,590,000 | 23,711,000 |
| Total capital | 23,226,000 | 23,818,000 | 24,241,000 | 24,287,000 |
| Risk-weighted assets | 46,241,000 | 73,303,000 | 74,753,000 | 74,916,000 |