Call reports 2014
SHELBY SAVINGS BANK, SSB — 2014
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 264,248,000 | 259,869,000 | 261,037,000 | 262,203,000 |
| Total loans | 176,800,000 | 184,696,000 | 183,818,000 | 184,203,000 |
| Allowance for loan losses | 2,634,000 | 2,777,000 | 2,875,000 | 2,893,000 |
| Securities available for sale | 39,180,000 | 37,465,000 | 40,652,000 | 39,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,025,000 | 208,623,000 | 209,589,000 | 208,454,000 |
| Interest-bearing deposits | 175,825,000 | 169,745,000 | 171,329,000 | 167,449,000 |
| Noninterest-bearing deposits | 37,200,000 | 38,878,000 | 38,260,000 | 41,005,000 |
| Equity capital | 29,649,000 | 30,228,000 | 30,767,000 | 30,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,649,000 | 5,375,000 | 8,169,000 | 10,856,000 |
| Interest expense | 470,000 | 922,000 | 1,347,000 | 1,769,000 |
| Net interest income | 2,179,000 | 4,453,000 | 6,822,000 | 9,087,000 |
| Noninterest income | 453,000 | 884,000 | 1,377,000 | 1,816,000 |
| Noninterest expense | 1,864,000 | 3,695,000 | 5,546,000 | 7,424,000 |
| Provision for loan losses | 240,000 | 412,000 | 524,000 | 579,000 |
| Pretax income | 528,000 | 1,230,000 | 2,129,000 | 2,885,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 528,000 | 1,230,000 | 2,129,000 | 2,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,524,000 | 29,904,000 | 30,483,000 | 30,690,000 |
| Total capital | 31,652,000 | 32,126,000 | 32,714,000 | 32,927,000 |
| Risk-weighted assets | 169,799,000 | 177,246,000 | 177,852,000 | 178,315,000 |