Call reports 2013
SHELBY SAVINGS BANK, SSB — 2013
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 262,343,000 | 259,734,000 | 263,759,000 | 259,956,000 |
| Total loans | 173,488,000 | 176,230,000 | 174,124,000 | 171,103,000 |
| Allowance for loan losses | 2,079,000 | 2,093,000 | 2,247,000 | 2,398,000 |
| Securities available for sale | 42,180,000 | 38,062,000 | 35,485,000 | 41,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,755,000 | 206,373,000 | 211,163,000 | 207,709,000 |
| Interest-bearing deposits | 170,635,000 | 167,664,000 | 169,706,000 | 169,448,000 |
| Noninterest-bearing deposits | 38,120,000 | 38,709,000 | 41,457,000 | 38,261,000 |
| Equity capital | 28,804,000 | 29,228,000 | 29,335,000 | 29,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,639,000 | 8,387,000 | 11,110,000 |
| Interest expense | 532,000 | 1,050,000 | 1,544,000 | 2,020,000 |
| Net interest income | 2,286,000 | 4,589,000 | 6,843,000 | 9,090,000 |
| Noninterest income | 534,000 | 992,000 | 1,462,000 | 1,935,000 |
| Noninterest expense | 1,766,000 | 3,448,000 | 5,193,000 | 7,006,000 |
| Provision for loan losses | 34,000 | 102,000 | 331,000 | 541,000 |
| Pretax income | 1,020,000 | 1,996,000 | 2,747,000 | 3,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,020,000 | 1,996,000 | 2,747,000 | 3,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,176,000 | 28,853,000 | 29,262,000 | 29,317,000 |
| Total capital | 30,255,000 | 30,946,000 | 31,373,000 | 31,381,000 |
| Risk-weighted assets | 168,169,000 | 169,174,000 | 168,741,000 | 164,813,000 |