Call reports 2006
SHELBY SAVINGS BANK, SSB — 2006
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 158,071,000 | 156,944,000 | 162,086,000 | 168,116,000 |
| Total loans | 109,976,000 | 113,404,000 | 114,357,000 | 116,736,000 |
| Allowance for loan losses | 1,781,000 | 1,835,000 | 1,842,000 | 1,838,000 |
| Securities available for sale | 28,859,000 | 27,735,000 | 24,486,000 | 20,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,177,000 | 122,250,000 | 125,569,000 | 135,088,000 |
| Interest-bearing deposits | 106,675,000 | 105,819,000 | 108,483,000 | 116,449,000 |
| Noninterest-bearing deposits | 17,502,000 | 16,431,000 | 17,086,000 | 18,639,000 |
| Equity capital | 12,740,000 | 13,072,000 | 13,662,000 | 13,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,845,000 | 7,418,000 | 10,149,000 |
| Interest expense | 963,000 | 2,050,000 | 3,225,000 | 4,489,000 |
| Net interest income | 1,405,000 | 2,795,000 | 4,193,000 | 5,660,000 |
| Noninterest income | 216,000 | 464,000 | 746,000 | 1,011,000 |
| Noninterest expense | 1,012,000 | 2,005,000 | 2,999,000 | 4,022,000 |
| Provision for loan losses | 76,000 | 152,000 | 183,000 | 183,000 |
| Pretax income | 533,000 | 1,102,000 | 1,757,000 | 2,466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 533,000 | 1,102,000 | 1,757,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,952,000 | 13,309,000 | 13,808,000 | 13,672,000 |
| Total capital | 14,178,000 | 14,618,000 | 15,134,000 | 15,046,000 |
| Risk-weighted assets | 104,235,000 | 104,219,000 | 105,649,000 | 109,339,000 |