Call reports 2005
SHELBY SAVINGS BANK, SSB — 2005
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,712,000 | 149,574,000 | 154,059,000 | 153,018,000 |
| Total loans | 105,468,000 | 105,411,000 | 108,130,000 | 107,087,000 |
| Allowance for loan losses | 1,560,000 | 1,583,000 | 1,631,000 | 1,695,000 |
| Securities available for sale | 27,129,000 | 25,620,000 | 23,900,000 | 24,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,249,000 | 117,741,000 | 117,034,000 | 118,818,000 |
| Interest-bearing deposits | 103,882,000 | 102,717,000 | 100,609,000 | 100,861,000 |
| Noninterest-bearing deposits | 13,367,000 | 15,024,000 | 16,425,000 | 17,957,000 |
| Equity capital | 11,917,000 | 12,326,000 | 12,749,000 | 12,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,028,000 | 4,142,000 | 6,332,000 | 8,633,000 |
| Interest expense | 695,000 | 1,457,000 | 2,263,000 | 3,140,000 |
| Net interest income | 1,333,000 | 2,685,000 | 4,069,000 | 5,493,000 |
| Noninterest income | 217,000 | 475,000 | 743,000 | 990,000 |
| Noninterest expense | 907,000 | 1,807,000 | 2,712,000 | 3,710,000 |
| Provision for loan losses | 76,000 | 147,000 | 221,000 | 295,000 |
| Pretax income | 567,000 | 1,206,000 | 1,879,000 | 2,478,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 567,000 | 1,206,000 | 1,879,000 | 2,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,033,000 | 12,474,000 | 12,899,000 | 12,657,000 |
| Total capital | 13,193,000 | 13,663,000 | 14,134,000 | 13,882,000 |
| Risk-weighted assets | 92,799,000 | 94,688,000 | 98,215,000 | 97,594,000 |