Call reports 2003
FIRST NATIONAL BANK OF SHELBY, THE — 2003
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 630,430,000 | 667,483,000 | 678,460,000 | 687,415,000 |
| Total loans | 313,932,000 | 328,620,000 | 331,411,000 | 346,954,000 |
| Allowance for loan losses | 4,216,000 | 4,402,000 | 4,474,000 | 4,687,000 |
| Securities available for sale | 259,124,000 | 246,240,000 | 284,642,000 | 279,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,450,000 | 433,221,000 | 449,204,000 | 452,985,000 |
| Interest-bearing deposits | 350,009,000 | 376,728,000 | 389,853,000 | 389,727,000 |
| Noninterest-bearing deposits | 54,441,000 | 56,493,000 | 59,351,000 | 63,258,000 |
| Equity capital | 87,389,000 | 89,593,000 | 88,184,000 | 89,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,870,000 | 16,127,000 | 24,050,000 | 32,545,000 |
| Interest expense | 3,077,000 | 6,091,000 | 9,097,000 | 12,103,000 |
| Net interest income | 4,793,000 | 10,036,000 | 14,953,000 | 20,442,000 |
| Noninterest income | 1,446,000 | 2,898,000 | 4,488,000 | 6,150,000 |
| Noninterest expense | 3,586,000 | 7,327,000 | 10,744,000 | 14,526,000 |
| Provision for loan losses | 203,000 | 980,000 | 1,674,000 | 2,253,000 |
| Pretax income | 3,357,000 | 5,493,000 | 7,900,000 | 10,698,000 |
| Income tax | 1,122,000 | 1,603,000 | 2,089,000 | 2,801,000 |
| Net income | 2,235,000 | 3,890,000 | 5,811,000 | 7,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,063,000 | 78,515,000 | 79,831,000 | 81,183,000 |
| Total capital | 81,429,000 | 83,125,000 | 84,305,000 | 85,870,000 |
| Risk-weighted assets | 404,295,000 | 429,271,000 | 430,082,000 | 450,616,000 |