Call reports 2003
SHELBY SAVINGS BANK, SSB — 2003
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,912,000 | 141,296,000 | 146,886,000 | 146,970,000 |
| Total loans | 92,199,000 | 96,256,000 | 94,838,000 | 96,037,000 |
| Allowance for loan losses | 1,340,000 | 1,282,000 | 1,182,000 | 1,065,000 |
| Securities available for sale | 33,614,000 | 31,978,000 | 33,452,000 | 35,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,250,000 | 111,947,000 | 115,737,000 | 116,262,000 |
| Interest-bearing deposits | 100,118,000 | 100,763,000 | 105,100,000 | 105,727,000 |
| Noninterest-bearing deposits | 11,132,000 | 11,184,000 | 10,637,000 | 10,535,000 |
| Equity capital | 11,107,000 | 11,204,000 | 11,086,000 | 10,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,062,000 | 4,056,000 | 6,007,000 | 7,933,000 |
| Interest expense | 795,000 | 1,544,000 | 2,261,000 | 2,966,000 |
| Net interest income | 1,267,000 | 2,512,000 | 3,746,000 | 4,967,000 |
| Noninterest income | 173,000 | 369,000 | 569,000 | 779,000 |
| Noninterest expense | 927,000 | 1,694,000 | 2,509,000 | 3,351,000 |
| Provision for loan losses | -6,000 | 104,000 | 192,000 | 283,000 |
| Pretax income | 519,000 | 1,083,000 | 1,614,000 | 2,112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 1,083,000 | 1,614,000 | 2,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,008,000 | 11,091,000 | 11,033,000 | 10,881,000 |
| Total capital | 12,076,000 | 12,180,000 | 12,125,000 | 11,946,000 |
| Risk-weighted assets | 85,155,000 | 87,122,000 | 87,269,000 | 91,904,000 |