Call reports 2002
FIRST NATIONAL BANK OF SHELBY, THE — 2002
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 227,457,000 | 225,848,000 | 227,529,000 | 228,936,000 |
| Total loans | 142,444,000 | 148,914,000 | 150,146,000 | 146,581,000 |
| Allowance for loan losses | 2,102,000 | 2,630,000 | 2,461,000 | 3,520,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 44,783,000 | 47,735,000 | 53,994,000 | 60,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,440,000 | 194,581,000 | 195,519,000 | 198,556,000 |
| Interest-bearing deposits | 167,795,000 | 166,273,000 | 168,390,000 | 169,520,000 |
| Noninterest-bearing deposits | 27,644,000 | 28,308,000 | 27,129,000 | 29,036,000 |
| Equity capital | 22,123,000 | 21,673,000 | 22,717,000 | 21,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,092,000 | 7,558,000 | 11,944,000 | 15,561,000 |
| Interest expense | 1,413,000 | 2,770,000 | 4,105,000 | 5,367,000 |
| Net interest income | 2,679,000 | 4,798,000 | 7,839,000 | 10,194,000 |
| Noninterest income | 286,000 | 609,000 | 1,087,000 | 1,453,000 |
| Noninterest expense | 1,552,000 | 3,115,000 | 5,024,000 | 6,567,000 |
| Provision for loan losses | 210,000 | 946,000 | 946,000 | 3,583,000 |
| Pretax income | 1,203,000 | 1,336,000 | 2,956,000 | 1,497,000 |
| Income tax | 396,000 | 704,000 | 1,006,000 | 480,000 |
| Net income | 807,000 | 632,000 | 1,950,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,784,000 | 19,386,000 | 20,481,000 | 19,298,000 |
| Total capital | 21,657,000 | 21,297,000 | 22,405,000 | 21,203,000 |
| Risk-weighted assets | 149,587,000 | 152,072,000 | 153,322,000 | 150,780,000 |