Call reports 2015
SHELBY SAVINGS BANK, SSB — 2015
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 268,807,000 | 259,181,000 | 267,868,000 | 266,154,000 |
| Total loans | 184,148,000 | 191,253,000 | 194,236,000 | 199,198,000 |
| Allowance for loan losses | 2,875,000 | 2,938,000 | 2,900,000 | 2,964,000 |
| Securities available for sale | 39,102,000 | 38,168,000 | 40,821,000 | 39,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,093,000 | 205,512,000 | 210,194,000 | 204,152,000 |
| Interest-bearing deposits | 173,171,000 | 166,195,000 | 166,171,000 | 163,060,000 |
| Noninterest-bearing deposits | 41,922,000 | 39,317,000 | 44,023,000 | 41,092,000 |
| Equity capital | 31,579,000 | 31,931,000 | 32,706,000 | 32,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,731,000 | 5,459,000 | 8,248,000 | 11,114,000 |
| Interest expense | 416,000 | 816,000 | 1,202,000 | 1,588,000 |
| Net interest income | 2,315,000 | 4,643,000 | 7,046,000 | 9,526,000 |
| Noninterest income | 447,000 | 984,000 | 1,511,000 | 1,994,000 |
| Noninterest expense | 1,903,000 | 3,991,000 | 5,976,000 | 7,976,000 |
| Provision for loan losses | 0 | 92,000 | 92,000 | 180,000 |
| Pretax income | 859,000 | 1,544,000 | 2,562,000 | 3,437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 859,000 | 1,544,000 | 2,562,000 | 3,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,228,000 | 31,636,000 | 32,333,000 | 32,659,000 |
| Total capital | 33,620,000 | 34,116,000 | 34,864,000 | 35,269,000 |
| Risk-weighted assets | 190,952,000 | 197,933,000 | 202,192,000 | 208,401,000 |