Call reports 2001
SHELBY SAVINGS BANK, SSB — 2001
What SHELBY SAVINGS BANK, SSB 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 | 120,248,000 | 122,969,000 | 126,652,000 | 132,141,000 |
| Total loans | 84,115,000 | 84,419,000 | 81,702,000 | 82,774,000 |
| Allowance for loan losses | 1,126,000 | 1,118,000 | 1,093,000 | 1,126,000 |
| Securities available for sale | 15,635,000 | 22,717,000 | 29,187,000 | 36,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,723,000 | 102,186,000 | 106,708,000 | 111,204,000 |
| Interest-bearing deposits | 91,924,000 | 92,442,000 | 96,899,000 | 99,855,000 |
| Noninterest-bearing deposits | 9,799,000 | 9,744,000 | 9,809,000 | 11,349,000 |
| Equity capital | 10,775,000 | 11,096,000 | 11,315,000 | 10,560,000 |
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 | 2,348,000 | 4,668,000 | 6,935,000 | 9,170,000 |
| Interest expense | 1,250,000 | 2,477,000 | 3,661,000 | 4,742,000 |
| Net interest income | 1,098,000 | 2,191,000 | 3,274,000 | 4,428,000 |
| Noninterest income | 164,000 | 332,000 | 499,000 | 656,000 |
| Noninterest expense | 774,000 | 1,575,000 | 2,344,000 | 3,186,000 |
| Provision for loan losses | 33,000 | 53,000 | 131,000 | 148,000 |
| Pretax income | 455,000 | 895,000 | 1,298,000 | 1,750,000 |
| Income tax | 129,000 | 163,000 | 265,000 | 359,000 |
| Net income | 326,000 | 732,000 | 1,033,000 | 1,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,776,000 | 11,009,000 | 11,271,000 | 10,637,000 |
| Total capital | 11,702,000 | 11,956,000 | 12,197,000 | 11,588,000 |
| Risk-weighted assets | 73,847,000 | 74,751,000 | 73,899,000 | 75,974,000 |