Call reports 2009
SHELBY SAVINGS BANK, SSB — 2009
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 219,272,000 | 215,570,000 | 217,665,000 | 215,619,000 |
| Total loans | 156,113,000 | 157,813,000 | 161,627,000 | 161,093,000 |
| Allowance for loan losses | 2,458,000 | 2,314,000 | 2,279,000 | 2,349,000 |
| Securities available for sale | 26,122,000 | 30,454,000 | 28,517,000 | 26,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,511,000 | 174,879,000 | 175,530,000 | 173,586,000 |
| Interest-bearing deposits | 157,921,000 | 151,559,000 | 151,972,000 | 151,255,000 |
| Noninterest-bearing deposits | 24,590,000 | 23,320,000 | 23,558,000 | 22,331,000 |
| Equity capital | 15,764,000 | 20,497,000 | 21,455,000 | 21,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,172,000 | 6,309,000 | 9,463,000 | 12,545,000 |
| Interest expense | 1,084,000 | 2,096,000 | 3,034,000 | 3,876,000 |
| Net interest income | 2,088,000 | 4,213,000 | 6,429,000 | 8,669,000 |
| Noninterest income | 370,000 | 832,000 | 1,327,000 | 1,768,000 |
| Noninterest expense | 1,342,000 | 3,640,000 | 5,108,000 | 7,343,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 350,000 |
| Pretax income | 966,000 | 1,205,000 | 2,448,000 | 2,178,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 966,000 | 1,205,000 | 2,448,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,674,000 | 20,295,000 | 21,224,000 | 21,487,000 |
| Total capital | 17,603,000 | 22,224,000 | 23,194,000 | 23,395,000 |
| Risk-weighted assets | 153,906,000 | 153,762,000 | 157,069,000 | 156,297,000 |