Call reports 2008
SHELBY SAVINGS BANK, SSB — 2008
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 197,168,000 | 201,048,000 | 205,937,000 | 215,321,000 |
| Total loans | 143,726,000 | 147,619,000 | 152,189,000 | 156,538,000 |
| Allowance for loan losses | 1,958,000 | 1,985,000 | 2,154,000 | 2,266,000 |
| Securities available for sale | 17,942,000 | 23,190,000 | 21,671,000 | 27,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,143,000 | 163,573,000 | 168,631,000 | 179,148,000 |
| Interest-bearing deposits | 136,208,000 | 140,013,000 | 144,925,000 | 154,952,000 |
| Noninterest-bearing deposits | 22,935,000 | 23,560,000 | 23,706,000 | 24,196,000 |
| Equity capital | 15,300,000 | 15,306,000 | 15,366,000 | 15,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,071,000 | 6,183,000 | 9,341,000 | 12,537,000 |
| Interest expense | 1,378,000 | 2,688,000 | 3,939,000 | 5,116,000 |
| Net interest income | 1,693,000 | 3,495,000 | 5,402,000 | 7,421,000 |
| Noninterest income | 372,000 | 763,000 | 1,155,000 | 1,558,000 |
| Noninterest expense | 1,169,000 | 2,468,000 | 3,655,000 | 5,210,000 |
| Provision for loan losses | 161,000 | 300,000 | 456,000 | 613,000 |
| Pretax income | 735,000 | 1,490,000 | 2,446,000 | 3,156,000 |
| Income tax | 6,000 | 22,000 | 22,000 | 22,000 |
| Net income | 729,000 | 1,468,000 | 2,424,000 | 3,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,324,000 | 15,356,000 | 15,404,000 | 15,266,000 |
| Total capital | 17,035,000 | 17,102,000 | 17,233,000 | 17,138,000 |
| Risk-weighted assets | 138,086,000 | 140,718,000 | 149,504,000 | 153,473,000 |