Call reports 2007
FIRST NATIONAL BANK OF SHELBY, THE — 2007
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 943,961,000 | 929,051,000 | 936,614,000 | 945,431,000 |
| Total loans | 516,241,000 | 513,554,000 | 529,878,000 | 536,692,000 |
| Allowance for loan losses | 6,610,000 | 6,599,000 | 6,635,000 | 6,687,000 |
| Securities available for sale | 325,689,000 | 322,678,000 | 320,894,000 | 319,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 7,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,108,000 | 634,916,000 | 622,982,000 | 612,189,000 |
| Interest-bearing deposits | 626,350,000 | 565,299,000 | 580,051,000 | 575,873,000 |
| Noninterest-bearing deposits | 23,758,000 | 69,617,000 | 42,931,000 | 36,316,000 |
| Equity capital | 110,147,000 | 108,284,000 | 112,834,000 | 116,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,241,000 | 31,082,000 | 47,081,000 | 62,845,000 |
| Interest expense | 7,875,000 | 15,896,000 | 23,826,000 | 31,656,000 |
| Net interest income | 7,366,000 | 15,186,000 | 23,255,000 | 31,189,000 |
| Noninterest income | 1,701,000 | 3,357,000 | 5,118,000 | 7,086,000 |
| Noninterest expense | 4,939,000 | 10,000,000 | 15,274,000 | 20,615,000 |
| Provision for loan losses | 366,000 | 911,000 | 1,118,000 | 1,849,000 |
| Pretax income | 3,762,000 | 7,632,000 | 11,981,000 | 15,171,000 |
| Income tax | 1,038,000 | 2,157,000 | 3,423,000 | 4,324,000 |
| Net income | 2,724,000 | 5,475,000 | 8,558,000 | 10,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,565,000 | 107,269,000 | 108,996,000 | 108,734,000 |
| Total capital | 112,175,000 | 113,868,000 | 115,631,000 | 115,421,000 |
| Risk-weighted assets | 614,251,000 | 623,322,000 | 640,390,000 | 643,929,000 |