Call reports 2002
FIRST NATIONAL BANK OF SHELBY, THE — 2002
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 556,298,000 | 562,398,000 | 579,046,000 | 607,693,000 |
| Total loans | 272,100,000 | 277,179,000 | 293,187,000 | 305,333,000 |
| Allowance for loan losses | 3,672,000 | 3,753,000 | 3,952,000 | 4,094,000 |
| Securities available for sale | 224,998,000 | 226,945,000 | 222,383,000 | 244,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,825,000 | 377,137,000 | 379,677,000 | 400,595,000 |
| Interest-bearing deposits | 327,897,000 | 324,613,000 | 329,824,000 | 346,563,000 |
| Noninterest-bearing deposits | 48,928,000 | 52,524,000 | 49,853,000 | 54,032,000 |
| Equity capital | 78,650,000 | 83,174,000 | 85,678,000 | 85,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,217,000 | 16,571,000 | 24,936,000 | 33,101,000 |
| Interest expense | 3,556,000 | 6,927,000 | 10,158,000 | 13,383,000 |
| Net interest income | 4,661,000 | 9,644,000 | 14,778,000 | 19,718,000 |
| Noninterest income | 1,337,000 | 2,707,000 | 4,113,000 | 5,684,000 |
| Noninterest expense | 3,342,000 | 6,880,000 | 10,264,000 | 14,016,000 |
| Provision for loan losses | 154,000 | 362,000 | 645,000 | 1,568,000 |
| Pretax income | 2,506,000 | 5,123,000 | 8,435,000 | 10,271,000 |
| Income tax | 613,000 | 1,385,000 | 2,250,000 | 2,765,000 |
| Net income | 1,893,000 | 3,738,000 | 6,185,000 | 7,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,205,000 | 71,887,000 | 74,166,000 | 75,030,000 |
| Total capital | 73,885,000 | 75,645,000 | 78,118,000 | 79,174,000 |
| Risk-weighted assets | 338,187,000 | 343,895,000 | 362,891,000 | 382,163,000 |