Call reports 2008
FIRST NATIONAL BANK OF SHELBY, THE — 2008
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 958,190,000 | 946,684,000 | 1,027,103,000 | 987,213,000 |
| Total loans | 534,996,000 | 550,874,000 | 571,318,000 | 576,980,000 |
| Allowance for loan losses | 6,709,000 | 6,692,000 | 7,369,000 | 7,703,000 |
| Securities available for sale | 300,106,000 | 288,362,000 | 250,056,000 | 232,896,000 |
| Securities held to maturity | 7,154,000 | 27,774,000 | 101,974,000 | 93,795,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,228,000 | 620,162,000 | 657,889,000 | 629,040,000 |
| Interest-bearing deposits | 624,434,000 | 593,116,000 | 633,437,000 | 598,834,000 |
| Noninterest-bearing deposits | 25,794,000 | 27,046,000 | 24,452,000 | 30,206,000 |
| Equity capital | 118,360,000 | 114,537,000 | 107,371,000 | 102,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 15,039,000 | 29,795,000 | 45,030,000 | 59,939,000 |
| Interest expense | 6,985,000 | 13,321,000 | 20,339,000 | 27,149,000 |
| Net interest income | 8,054,000 | 16,474,000 | 24,691,000 | 32,790,000 |
| Noninterest income | 1,701,000 | 4,776,000 | 5,329,000 | 8,426,000 |
| Noninterest expense | 5,531,000 | 11,282,000 | 15,732,000 | 22,357,000 |
| Provision for loan losses | 321,000 | 699,000 | 3,414,000 | 6,150,000 |
| Pretax income | 4,132,000 | 6,017,000 | -5,328,000 | -17,161,000 |
| Income tax | 1,278,000 | 1,690,000 | -3,081,000 | -7,728,000 |
| Net income | 2,854,000 | 4,327,000 | -2,247,000 | -9,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,704,000 | 111,308,000 | 107,141,000 | 99,315,000 |
| Total capital | 117,413,000 | 118,000,000 | 114,510,000 | 107,018,000 |
| Risk-weighted assets | 654,747,000 | 658,180,000 | 697,371,000 | 697,163,000 |