Call reports 2004
FIRST NATIONAL BANK OF SHELBY, THE — 2004
What FIRST NATIONAL BANK OF SHELBY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 210,783,000 | 201,039,000 | 194,582,000 |
| Total loans | 103,354,000 | 99,659,000 | 93,635,000 |
| Allowance for loan losses | 5,044,000 | 5,117,000 | 5,736,000 |
| Securities available for sale | 0 | 81,066,000 | 79,300,000 |
| Securities held to maturity | 76,858,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 182,246,000 | 172,737,000 | 166,776,000 |
| Interest-bearing deposits | 158,404,000 | 149,578,000 | 142,756,000 |
| Noninterest-bearing deposits | 23,841,000 | 23,159,000 | 24,019,000 |
| Equity capital | 21,104,000 | 21,187,000 | 21,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 2,788,000 | 5,717,000 | 8,163,000 |
| Interest expense | 665,000 | 1,253,000 | 1,792,000 |
| Net interest income | 2,123,000 | 4,464,000 | 6,371,000 |
| Noninterest income | 248,000 | 474,000 | 724,000 |
| Noninterest expense | 1,681,000 | 3,452,000 | 5,435,000 |
| Provision for loan losses | 1,180,000 | 1,490,000 | 2,412,000 |
| Pretax income | -490,000 | -151,000 | -899,000 |
| Income tax | -169,000 | -59,000 | -283,000 |
| Net income | -321,000 | -92,000 | -616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 18,480,000 | 18,531,000 | 17,919,000 |
| Total capital | 19,885,000 | 19,957,000 | 19,279,000 |
| Risk-weighted assets | 109,142,000 | 110,426,000 | 104,411,000 |