Call reports 2009
FIRST NATIONAL BANK OF SHELBY, THE — 2009
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,047,378,000 | 1,037,633,000 | 1,054,825,000 | 1,040,094,000 |
| Total loans | 584,723,000 | 586,527,000 | 590,046,000 | 578,106,000 |
| Allowance for loan losses | 8,493,000 | 9,637,000 | 11,134,000 | 11,145,000 |
| Securities available for sale | 259,253,000 | 238,692,000 | 248,310,000 | 253,850,000 |
| Securities held to maturity | 116,772,000 | 116,405,000 | 112,310,000 | 108,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 658,424,000 | 684,134,000 | 699,941,000 | 703,236,000 |
| Interest-bearing deposits | 631,489,000 | 651,177,000 | 668,989,000 | 673,127,000 |
| Noninterest-bearing deposits | 26,935,000 | 32,957,000 | 30,952,000 | 30,109,000 |
| Equity capital | 106,444,000 | 104,316,000 | 108,073,000 | 104,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,248,000 | 28,336,000 | 42,337,000 | 55,828,000 |
| Interest expense | 5,897,000 | 11,595,000 | 17,129,000 | 22,517,000 |
| Net interest income | 8,351,000 | 16,741,000 | 25,208,000 | 33,311,000 |
| Noninterest income | 1,639,000 | 2,876,000 | 4,734,000 | 6,766,000 |
| Noninterest expense | 6,234,000 | 12,698,000 | 18,786,000 | 25,121,000 |
| Provision for loan losses | 1,347,000 | 3,149,000 | 5,411,000 | 8,680,000 |
| Pretax income | 2,616,000 | 3,569,000 | 5,601,000 | 6,116,000 |
| Income tax | 785,000 | 924,000 | 1,689,000 | 1,603,000 |
| Net income | 1,831,000 | 2,645,000 | 3,912,000 | 4,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,506,000 | 104,174,000 | 104,662,000 | 101,985,000 |
| Total capital | 108,999,000 | 113,554,000 | 114,096,000 | 111,268,000 |
| Risk-weighted assets | 761,016,000 | 799,431,000 | 798,862,000 | 752,484,000 |