Call reports 2005
SHELBY STATE BANK, THE — 2005
What SHELBY STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 145,884,000 | 148,466,000 | 157,060,000 | 159,501,000 |
| Total loans | 91,968,000 | 95,401,000 | 99,759,000 | 103,409,000 |
| Allowance for loan losses | 1,037,000 | 1,073,000 | 1,088,000 | 1,074,000 |
| Securities available for sale | 38,346,000 | 33,812,000 | 36,245,000 | 34,104,000 |
| Securities held to maturity | 2,196,000 | 1,983,000 | 4,345,000 | 5,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,752,000 | 130,292,000 | 138,507,000 | 140,965,000 |
| Interest-bearing deposits | 105,233,000 | 106,355,000 | 114,071,000 | 118,533,000 |
| Noninterest-bearing deposits | 22,520,000 | 23,936,000 | 24,436,000 | 22,432,000 |
| Equity capital | 16,305,000 | 16,490,000 | 16,482,000 | 16,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,885,000 | 6,009,000 | 8,259,000 |
| Interest expense | 441,000 | 933,000 | 1,523,000 | 2,194,000 |
| Net interest income | 1,470,000 | 2,952,000 | 4,486,000 | 6,065,000 |
| Noninterest income | 665,000 | 1,307,000 | 1,940,000 | 2,665,000 |
| Noninterest expense | 1,649,000 | 3,413,000 | 5,186,000 | 7,159,000 |
| Provision for loan losses | 45,000 | 90,000 | 113,000 | 113,000 |
| Pretax income | 441,000 | 799,000 | 1,170,000 | 1,501,000 |
| Income tax | 82,000 | 142,000 | 204,000 | 270,000 |
| Net income | 359,000 | 657,000 | 966,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,097,000 | 15,173,000 | 15,262,000 | 15,087,000 |
| Total capital | 16,134,000 | 16,246,000 | 16,350,000 | 16,161,000 |
| Risk-weighted assets | 101,578,000 | 103,024,000 | 108,769,000 | 112,527,000 |