Call reports 2005
FIRST NATIONAL BANK OF SHELBY, THE — 2005
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 760,020,000 | 773,922,000 | 784,921,000 | 797,425,000 |
| Total loans | 390,182,000 | 415,601,000 | 433,166,000 | 442,866,000 |
| Allowance for loan losses | 5,098,000 | 5,376,000 | 5,582,000 | 5,740,000 |
| Securities available for sale | 305,339,000 | 285,333,000 | 282,048,000 | 281,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,994,000 | 507,473,000 | 525,029,000 | 535,255,000 |
| Interest-bearing deposits | 474,900,000 | 484,341,000 | 500,852,000 | 509,828,000 |
| Noninterest-bearing deposits | 22,094,000 | 23,132,000 | 24,177,000 | 25,427,000 |
| Equity capital | 95,710,000 | 97,580,000 | 98,745,000 | 98,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,283,000 | 21,145,000 | 32,592,000 | 44,582,000 |
| Interest expense | 4,048,000 | 8,525,000 | 13,302,000 | 18,436,000 |
| Net interest income | 6,235,000 | 12,620,000 | 19,290,000 | 26,146,000 |
| Noninterest income | 1,520,000 | 3,022,000 | 4,580,000 | 6,420,000 |
| Noninterest expense | 3,894,000 | 8,198,000 | 12,425,000 | 17,015,000 |
| Provision for loan losses | 244,000 | 662,000 | 992,000 | 2,165,000 |
| Pretax income | 3,617,000 | 6,591,000 | 10,262,000 | 13,195,000 |
| Income tax | 1,153,000 | 2,017,000 | 3,278,000 | 4,084,000 |
| Net income | 2,464,000 | 4,574,000 | 6,984,000 | 9,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,323,000 | 90,862,000 | 92,825,000 | 94,062,000 |
| Total capital | 94,421,000 | 96,238,000 | 98,407,000 | 99,802,000 |
| Risk-weighted assets | 494,034,000 | 513,275,000 | 523,151,000 | 534,398,000 |