Call reports 2010
SHELBY SAVINGS BANK, SSB — 2010
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 223,999,000 | 226,648,000 | 232,103,000 | 226,027,000 |
| Total loans | 159,920,000 | 166,166,000 | 168,452,000 | 170,439,000 |
| Allowance for loan losses | 2,411,000 | 2,475,000 | 2,547,000 | 2,509,000 |
| Securities available for sale | 23,527,000 | 25,528,000 | 26,997,000 | 24,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,998,000 | 181,023,000 | 186,695,000 | 180,952,000 |
| Interest-bearing deposits | 152,853,000 | 151,443,000 | 156,224,000 | 152,152,000 |
| Noninterest-bearing deposits | 26,145,000 | 29,580,000 | 30,471,000 | 28,800,000 |
| Equity capital | 22,378,000 | 23,192,000 | 23,733,000 | 23,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,000,000 | 5,994,000 | 9,014,000 | 11,999,000 |
| Interest expense | 805,000 | 1,583,000 | 2,323,000 | 3,016,000 |
| Net interest income | 2,195,000 | 4,411,000 | 6,691,000 | 8,983,000 |
| Noninterest income | 598,000 | 1,037,000 | 1,466,000 | 1,822,000 |
| Noninterest expense | 1,510,000 | 3,023,000 | 4,483,000 | 6,045,000 |
| Provision for loan losses | 107,000 | 212,000 | 321,000 | 352,000 |
| Pretax income | 1,161,000 | 2,177,000 | 3,301,000 | 4,357,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,161,000 | 2,177,000 | 3,301,000 | 4,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,125,000 | 22,840,000 | 23,290,000 | 23,412,000 |
| Total capital | 24,090,000 | 24,857,000 | 25,317,000 | 25,443,000 |
| Risk-weighted assets | 156,628,000 | 161,390,000 | 161,431,000 | 162,059,000 |