Call reports 2004
FIRST NATIONAL BANK OF SHELBY, THE — 2004
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 695,520,000 | 700,167,000 | 732,778,000 | 745,061,000 |
| Total loans | 352,304,000 | 356,634,000 | 371,897,000 | 383,731,000 |
| Allowance for loan losses | 4,739,000 | 4,824,000 | 4,945,000 | 5,122,000 |
| Securities available for sale | 277,995,000 | 276,032,000 | 297,989,000 | 304,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,337,000 | 471,843,000 | 499,301,000 | 502,062,000 |
| Interest-bearing deposits | 399,915,000 | 406,239,000 | 433,822,000 | 485,442,000 |
| Noninterest-bearing deposits | 63,422,000 | 65,604,000 | 65,479,000 | 16,620,000 |
| Equity capital | 93,190,000 | 90,226,000 | 94,024,000 | 95,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,514,000 | 17,122,000 | 26,257,000 | 36,018,000 |
| Interest expense | 2,985,000 | 6,047,000 | 9,378,000 | 13,040,000 |
| Net interest income | 5,529,000 | 11,075,000 | 16,879,000 | 22,978,000 |
| Noninterest income | 1,606,000 | 3,152,000 | 4,689,000 | 6,325,000 |
| Noninterest expense | 3,626,000 | 7,349,000 | 11,278,000 | 15,680,000 |
| Provision for loan losses | 93,000 | 597,000 | 948,000 | 1,382,000 |
| Pretax income | 3,499,000 | 6,407,000 | 9,398,000 | 12,340,000 |
| Income tax | 1,051,000 | 1,895,000 | 2,840,000 | 3,615,000 |
| Net income | 2,448,000 | 4,512,000 | 6,558,000 | 8,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,638,000 | 84,256,000 | 85,980,000 | 87,294,000 |
| Total capital | 88,424,000 | 89,080,000 | 90,925,000 | 92,416,000 |
| Risk-weighted assets | 450,461,000 | 456,797,000 | 464,801,000 | 480,064,000 |