Call reports 2007
SHELBY STATE BANK, THE — 2007
What SHELBY STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 171,493,000 | 167,479,000 | 174,530,000 | 172,658,000 |
| Total loans | 108,809,000 | 110,075,000 | 108,050,000 | 107,617,000 |
| Allowance for loan losses | 1,169,000 | 1,189,000 | 1,195,000 | 1,164,000 |
| Securities available for sale | 38,213,000 | 40,924,000 | 46,652,000 | 46,137,000 |
| Securities held to maturity | 3,869,000 | 1,645,000 | 1,628,000 | 1,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,229,000 | 146,090,000 | 152,105,000 | 148,553,000 |
| Interest-bearing deposits | 130,826,000 | 127,224,000 | 131,610,000 | 127,280,000 |
| Noninterest-bearing deposits | 20,403,000 | 18,865,000 | 20,495,000 | 21,273,000 |
| Equity capital | 17,205,000 | 17,135,000 | 17,752,000 | 17,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,668,000 | 5,367,000 | 8,179,000 | 10,897,000 |
| Interest expense | 1,038,000 | 2,107,000 | 3,242,000 | 4,360,000 |
| Net interest income | 1,630,000 | 3,260,000 | 4,937,000 | 6,537,000 |
| Noninterest income | 722,000 | 1,432,000 | 2,112,000 | 2,817,000 |
| Noninterest expense | 1,736,000 | 3,467,000 | 5,138,000 | 6,939,000 |
| Provision for loan losses | 30,000 | 46,000 | 61,000 | 76,000 |
| Pretax income | 586,000 | 1,179,000 | 1,850,000 | 2,339,000 |
| Income tax | 151,000 | 304,000 | 487,000 | 572,000 |
| Net income | 435,000 | 875,000 | 1,363,000 | 1,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,007,000 | 16,228,000 | 16,480,000 | 16,334,000 |
| Total capital | 17,176,000 | 17,417,000 | 17,675,000 | 17,498,000 |
| Risk-weighted assets | 115,089,000 | 115,204,000 | 115,436,000 | 114,103,000 |