Call reports 2004
SHELBY SAVINGS BANK, SSB — 2004
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 144,818,000 | 143,417,000 | 147,622,000 | 146,539,000 |
| Total loans | 97,351,000 | 99,658,000 | 99,417,000 | 102,776,000 |
| Allowance for loan losses | 1,262,000 | 1,329,000 | 1,411,000 | 1,492,000 |
| Securities available for sale | 33,789,000 | 31,811,000 | 30,185,000 | 28,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,905,000 | 112,448,000 | 114,861,000 | 114,367,000 |
| Interest-bearing deposits | 102,607,000 | 100,582,000 | 101,189,000 | 100,103,000 |
| Noninterest-bearing deposits | 11,298,000 | 11,866,000 | 13,672,000 | 14,264,000 |
| Equity capital | 11,257,000 | 11,318,000 | 11,889,000 | 11,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,909,000 | 3,838,000 | 5,784,000 | 7,777,000 |
| Interest expense | 666,000 | 1,308,000 | 1,949,000 | 2,627,000 |
| Net interest income | 1,243,000 | 2,530,000 | 3,835,000 | 5,150,000 |
| Noninterest income | 236,000 | 479,000 | 740,000 | 1,006,000 |
| Noninterest expense | 840,000 | 1,691,000 | 2,561,000 | 3,484,000 |
| Provision for loan losses | 116,000 | 209,000 | 311,000 | 420,000 |
| Pretax income | 523,000 | 1,109,000 | 1,703,000 | 2,252,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 523,000 | 1,109,000 | 1,703,000 | 2,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,147,000 | 11,443,000 | 11,878,000 | 11,740,000 |
| Total capital | 12,285,000 | 12,591,000 | 13,006,000 | 12,900,000 |
| Risk-weighted assets | 91,041,000 | 90,920,000 | 90,414,000 | 91,746,000 |