Call reports 2020
SHELBY SAVINGS BANK, SSB — 2020
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 322,164,000 | 336,760,000 | 338,856,000 | 338,311,000 |
| Total loans | 235,202,000 | 239,357,000 | 236,527,000 | 248,149,000 |
| Allowance for loan losses | 2,607,000 | 2,590,000 | 2,588,000 | 2,562,000 |
| Securities available for sale | 30,330,000 | 34,893,000 | 41,321,000 | 40,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,442,000 | 269,699,000 | 271,213,000 | 275,564,000 |
| Interest-bearing deposits | 199,644,000 | 204,324,000 | 202,460,000 | 207,244,000 |
| Noninterest-bearing deposits | 54,798,000 | 65,375,000 | 68,753,000 | 68,320,000 |
| Equity capital | 39,515,000 | 41,426,000 | 42,621,000 | 41,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,745,000 | 7,403,000 | 11,023,000 | 14,819,000 |
| Interest expense | 638,000 | 1,276,000 | 1,840,000 | 2,339,000 |
| Net interest income | 3,107,000 | 6,127,000 | 9,183,000 | 12,480,000 |
| Noninterest income | 607,000 | 1,223,000 | 1,925,000 | 2,583,000 |
| Noninterest expense | 2,635,000 | 5,260,000 | 7,873,000 | 10,693,000 |
| Provision for loan losses | 96,000 | 96,000 | 96,000 | 96,000 |
| Pretax income | 983,000 | 1,994,000 | 3,235,000 | 4,370,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 983,000 | 1,994,000 | 3,235,000 | 4,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,195,000 | 40,208,000 | 41,450,000 | 40,407,000 |
| Total capital | 41,802,000 | 42,798,000 | 44,038,000 | 42,970,000 |
| Risk-weighted assets | 253,553,000 | 257,764,000 | 259,345,000 | 268,096,000 |