Call reports 2016
SHELBY SAVINGS BANK, SSB — 2016
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,628,000 | 285,228,000 | 301,684,000 | 302,392,000 |
| Total loans | 206,026,000 | 214,782,000 | 220,264,000 | 226,924,000 |
| Allowance for loan losses | 2,977,000 | 3,040,000 | 3,134,000 | 3,184,000 |
| Securities available for sale | 39,865,000 | 42,845,000 | 43,479,000 | 42,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,516,000 | 223,643,000 | 232,077,000 | 239,751,000 |
| Interest-bearing deposits | 168,332,000 | 176,292,000 | 188,656,000 | 195,555,000 |
| Noninterest-bearing deposits | 46,184,000 | 47,351,000 | 43,421,000 | 44,196,000 |
| Equity capital | 33,607,000 | 34,156,000 | 34,694,000 | 33,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,835,000 | 5,739,000 | 8,831,000 | 11,981,000 |
| Interest expense | 390,000 | 788,000 | 1,228,000 | 1,699,000 |
| Net interest income | 2,445,000 | 4,951,000 | 7,603,000 | 10,282,000 |
| Noninterest income | 480,000 | 1,003,000 | 1,509,000 | 1,834,000 |
| Noninterest expense | 1,974,000 | 4,081,000 | 6,095,000 | 8,181,000 |
| Provision for loan losses | 166,000 | 241,000 | 344,000 | 613,000 |
| Pretax income | 785,000 | 1,632,000 | 2,651,000 | 3,300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 785,000 | 1,632,000 | 2,651,000 | 3,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,098,000 | 33,571,000 | 34,260,000 | 34,191,000 |
| Total capital | 35,802,000 | 36,399,000 | 37,172,000 | 37,188,000 |
| Risk-weighted assets | 216,015,000 | 226,022,000 | 232,723,000 | 239,566,000 |