Call reports 2006
SHELBY STATE BANK, THE — 2006
What SHELBY STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 164,624,000 | 161,766,000 | 166,054,000 | 166,596,000 |
| Total loans | 105,351,000 | 109,558,000 | 110,980,000 | 109,564,000 |
| Allowance for loan losses | 1,122,000 | 1,190,000 | 1,162,000 | 1,152,000 |
| Securities available for sale | 33,670,000 | 31,928,000 | 34,818,000 | 32,941,000 |
| Securities held to maturity | 5,318,000 | 2,755,000 | 3,488,000 | 4,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,812,000 | 143,382,000 | 146,153,000 | 147,665,000 |
| Interest-bearing deposits | 123,551,000 | 122,466,000 | 124,472,000 | 125,635,000 |
| Noninterest-bearing deposits | 22,260,000 | 20,915,000 | 21,681,000 | 22,030,000 |
| Equity capital | 16,295,000 | 16,349,000 | 16,770,000 | 16,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,321,000 | 4,742,000 | 7,330,000 | 9,984,000 |
| Interest expense | 767,000 | 1,624,000 | 2,554,000 | 3,549,000 |
| Net interest income | 1,554,000 | 3,118,000 | 4,776,000 | 6,435,000 |
| Noninterest income | 843,000 | 1,565,000 | 2,260,000 | 2,947,000 |
| Noninterest expense | 1,759,000 | 3,492,000 | 5,208,000 | 6,846,000 |
| Provision for loan losses | 93,000 | 121,000 | 136,000 | 151,000 |
| Pretax income | 545,000 | 1,070,000 | 1,692,000 | 2,389,000 |
| Income tax | 132,000 | 270,000 | 439,000 | 568,000 |
| Net income | 413,000 | 800,000 | 1,253,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,279,000 | 15,446,000 | 15,663,000 | 15,793,000 |
| Total capital | 16,401,000 | 16,636,000 | 16,825,000 | 16,945,000 |
| Risk-weighted assets | 115,556,000 | 118,259,000 | 118,382,000 | 119,322,000 |