Call reports 2006
FIRST NATIONAL BANK OF SHELBY, THE — 2006
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 816,852,000 | 837,840,000 | 868,595,000 | 913,621,000 |
| Total loans | 458,168,000 | 475,177,000 | 485,051,000 | 505,317,000 |
| Allowance for loan losses | 5,921,000 | 6,143,000 | 6,283,000 | 6,565,000 |
| Securities available for sale | 285,193,000 | 286,239,000 | 304,393,000 | 325,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,990,000 | 572,326,000 | 583,217,000 | 614,882,000 |
| Interest-bearing deposits | 514,386,000 | 547,310,000 | 561,157,000 | 585,993,000 |
| Noninterest-bearing deposits | 32,604,000 | 25,016,000 | 22,060,000 | 28,889,000 |
| Equity capital | 100,603,000 | 99,886,000 | 104,618,000 | 107,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,542,000 | 25,905,000 | 39,971,000 | 54,985,000 |
| Interest expense | 5,468,000 | 11,566,000 | 18,501,000 | 26,094,000 |
| Net interest income | 7,074,000 | 14,339,000 | 21,470,000 | 28,891,000 |
| Noninterest income | 1,693,000 | 3,446,000 | 5,176,000 | 7,754,000 |
| Noninterest expense | 4,461,000 | 9,166,000 | 13,201,000 | 18,659,000 |
| Provision for loan losses | 377,000 | 917,000 | 1,249,000 | 2,427,000 |
| Pretax income | 3,930,000 | 7,703,000 | 11,962,000 | 15,324,000 |
| Income tax | 1,247,000 | 2,427,000 | 3,714,000 | 4,661,000 |
| Net income | 2,683,000 | 5,276,000 | 8,248,000 | 10,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,976,000 | 98,159,000 | 101,189,000 | 103,197,000 |
| Total capital | 102,897,000 | 104,302,000 | 107,472,000 | 109,762,000 |
| Risk-weighted assets | 553,197,000 | 571,686,000 | 578,140,000 | 592,243,000 |