Call reports 2001
SHELBY STATE BANK, THE — 2001
What SHELBY STATE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 135,036,000 | 140,433,000 | 140,880,000 | 141,853,000 |
| Total loans | 84,799,000 | 82,881,000 | 85,071,000 | 81,290,000 |
| Allowance for loan losses | 1,044,000 | 1,068,000 | 1,064,000 | 1,046,000 |
| Securities available for sale | 27,166,000 | 31,522,000 | 35,295,000 | 34,934,000 |
| Securities held to maturity | 4,968,000 | 4,622,000 | 4,051,000 | 4,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,138,000 | 123,261,000 | 122,502,000 | 124,205,000 |
| Interest-bearing deposits | 103,715,000 | 103,502,000 | 103,762,000 | 104,002,000 |
| Noninterest-bearing deposits | 15,423,000 | 19,759,000 | 18,740,000 | 20,204,000 |
| Equity capital | 13,539,000 | 13,806,000 | 14,353,000 | 14,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,493,000 | 4,989,000 | 7,504,000 | 9,865,000 |
| Interest expense | 1,126,000 | 2,193,000 | 3,194,000 | 4,064,000 |
| Net interest income | 1,367,000 | 2,796,000 | 4,310,000 | 5,801,000 |
| Noninterest income | 213,000 | 478,000 | 740,000 | 1,016,000 |
| Noninterest expense | 1,074,000 | 2,158,000 | 3,283,000 | 4,514,000 |
| Provision for loan losses | 45,000 | 85,000 | 108,000 | 130,000 |
| Pretax income | 461,000 | 1,031,000 | 1,659,000 | 2,191,000 |
| Income tax | 131,000 | 286,000 | 458,000 | 564,000 |
| Net income | 330,000 | 745,000 | 1,201,000 | 1,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,646,000 | 12,875,000 | 13,156,000 | 13,296,000 |
| Total capital | 13,690,000 | 13,943,000 | 14,220,000 | 14,342,000 |
| Risk-weighted assets | 87,882,000 | 97,606,000 | 101,481,000 | 92,351,000 |