Call reports 2007
SHELBY SAVINGS BANK, SSB — 2007
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 170,964,000 | 169,338,000 | 178,410,000 | 181,680,000 |
| Total loans | 122,409,000 | 127,961,000 | 133,820,000 | 138,933,000 |
| Allowance for loan losses | 1,822,000 | 1,798,000 | 1,844,000 | 1,906,000 |
| Securities available for sale | 23,540,000 | 22,783,000 | 21,152,000 | 22,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,885,000 | 135,545,000 | 144,614,000 | 148,727,000 |
| Interest-bearing deposits | 120,294,000 | 117,575,000 | 125,259,000 | 128,023,000 |
| Noninterest-bearing deposits | 17,591,000 | 17,970,000 | 19,355,000 | 20,704,000 |
| Equity capital | 14,104,000 | 14,638,000 | 15,160,000 | 14,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,807,000 | 5,733,000 | 8,722,000 | 11,785,000 |
| Interest expense | 1,300,000 | 2,625,000 | 3,994,000 | 5,379,000 |
| Net interest income | 1,507,000 | 3,108,000 | 4,728,000 | 6,406,000 |
| Noninterest income | 296,000 | 577,000 | 881,000 | 1,339,000 |
| Noninterest expense | 1,036,000 | 2,085,000 | 3,226,000 | 4,356,000 |
| Provision for loan losses | 0 | 25,000 | 93,000 | 194,000 |
| Pretax income | 767,000 | 1,575,000 | 2,290,000 | 3,195,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 767,000 | 1,575,000 | 2,290,000 | 3,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,219,000 | 14,764,000 | 15,251,000 | 15,013,000 |
| Total capital | 15,655,000 | 16,243,000 | 16,827,000 | 16,654,000 |
| Risk-weighted assets | 114,541,000 | 119,839,000 | 126,236,000 | 131,020,000 |