Call reports 2003
FIRST NATIONAL BANK OF SHELBY, THE — 2003
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 228,778,000 | 225,241,000 | 218,581,000 | 214,840,000 |
| Total loans | 141,906,000 | 137,810,000 | 123,857,000 | 111,436,000 |
| Allowance for loan losses | 3,707,000 | 4,711,000 | 4,832,000 | 3,834,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 60,531,000 | 61,520,000 | 56,106,000 | 48,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,392,000 | 196,866,000 | 191,281,000 | 188,893,000 |
| Interest-bearing deposits | 170,937,000 | 169,539,000 | 163,370,000 | 160,839,000 |
| Noninterest-bearing deposits | 27,455,000 | 27,327,000 | 27,911,000 | 28,055,000 |
| Equity capital | 21,625,000 | 19,835,000 | 19,358,000 | 18,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,639,000 | 6,977,000 | 10,120,000 | 12,902,000 |
| Interest expense | 1,135,000 | 2,173,000 | 3,066,000 | 3,832,000 |
| Net interest income | 2,504,000 | 4,804,000 | 7,054,000 | 9,070,000 |
| Noninterest income | 329,000 | 662,000 | 1,023,000 | 1,316,000 |
| Noninterest expense | 1,650,000 | 3,369,000 | 5,393,000 | 7,790,000 |
| Provision for loan losses | 520,000 | 4,351,000 | 5,252,000 | 6,800,000 |
| Pretax income | 663,000 | -2,254,000 | -2,568,000 | -4,204,000 |
| Income tax | 221,000 | -907,000 | -743,000 | -1,445,000 |
| Net income | 442,000 | -1,347,000 | -1,825,000 | -2,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,491,000 | 16,579,000 | 16,123,000 | 16,152,000 |
| Total capital | 21,348,000 | 18,406,000 | 17,811,000 | 17,716,000 |
| Risk-weighted assets | 146,677,000 | 143,238,000 | 131,964,000 | 122,866,000 |