Call reports 2004
SHELBY STATE BANK, THE — 2004
What SHELBY STATE BANK, 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 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 145,249,000 | 141,772,000 | 147,447,000 | 148,230,000 |
| Total loans | 83,094,000 | 83,609,000 | 85,927,000 | 89,811,000 |
| Allowance for loan losses | 1,053,000 | 1,040,000 | 1,007,000 | 998,000 |
| Securities available for sale | 47,148,000 | 43,332,000 | 45,930,000 | 40,078,000 |
| Securities held to maturity | 2,895,000 | 2,699,000 | 2,687,000 | 2,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,937,000 | 123,495,000 | 125,154,000 | 129,518,000 |
| Interest-bearing deposits | 105,255,000 | 102,729,000 | 102,739,000 | 107,089,000 |
| Noninterest-bearing deposits | 20,683,000 | 20,766,000 | 22,414,000 | 22,428,000 |
| Equity capital | 16,800,000 | 16,199,000 | 16,729,000 | 16,476,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,886,000 | 3,738,000 | 5,642,000 | 7,573,000 |
| Interest expense | 395,000 | 774,000 | 1,171,000 | 1,595,000 |
| Net interest income | 1,491,000 | 2,964,000 | 4,471,000 | 5,978,000 |
| Noninterest income | 584,000 | 1,160,000 | 1,727,000 | 2,350,000 |
| Noninterest expense | 1,440,000 | 2,950,000 | 4,451,000 | 6,133,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 70,000 |
| Pretax income | 620,000 | 1,144,000 | 1,692,000 | 2,130,000 |
| Income tax | 131,000 | 251,000 | 375,000 | 429,000 |
| Net income | 489,000 | 893,000 | 1,317,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,581,000 | 14,777,000 | 14,991,000 | 14,956,000 |
| Total capital | 15,634,000 | 15,819,000 | 15,998,000 | 15,954,000 |
| Risk-weighted assets | 93,693,000 | 99,095,000 | 98,045,000 | 102,982,000 |