Call reports 2002
SHELBY SAVINGS BANK, SSB — 2002
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 132,033,000 | 131,872,000 | 134,563,000 | 137,215,000 |
| Total loans | 85,059,000 | 86,269,000 | 88,855,000 | 91,811,000 |
| Allowance for loan losses | 1,195,000 | 1,305,000 | 1,178,000 | 1,144,000 |
| Securities available for sale | 33,028,000 | 31,385,000 | 33,633,000 | 33,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,074,000 | 105,815,000 | 106,284,000 | 108,753,000 |
| Interest-bearing deposits | 98,696,000 | 96,292,000 | 96,435,000 | 98,137,000 |
| Noninterest-bearing deposits | 10,378,000 | 9,523,000 | 9,849,000 | 10,616,000 |
| Equity capital | 10,840,000 | 11,205,000 | 11,523,000 | 10,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,116,000 | 4,216,000 | 6,310,000 | 8,377,000 |
| Interest expense | 930,000 | 1,782,000 | 2,618,000 | 3,438,000 |
| Net interest income | 1,186,000 | 2,434,000 | 3,692,000 | 4,939,000 |
| Noninterest income | 147,000 | 320,000 | 492,000 | 666,000 |
| Noninterest expense | 860,000 | 1,619,000 | 2,402,000 | 3,218,000 |
| Provision for loan losses | 43,000 | 122,000 | 212,000 | 275,000 |
| Pretax income | 430,000 | 1,013,000 | 1,570,000 | 2,112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 430,000 | 1,013,000 | 1,570,000 | 2,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,805,000 | 11,128,000 | 11,423,000 | 10,751,000 |
| Total capital | 11,779,000 | 12,107,000 | 12,415,000 | 11,800,000 |
| Risk-weighted assets | 78,052,000 | 78,341,000 | 79,160,000 | 83,860,000 |