Call reports 2023
SHELBY SAVINGS BANK, SSB — 2023
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 404,757,000 | 410,364,000 | 404,202,000 | 406,930,000 |
| Total loans | 294,716,000 | 299,224,000 | 290,277,000 | 288,252,000 |
| Allowance for loan losses | 2,981,000 | 3,452,000 | 3,083,000 | 3,210,000 |
| Securities available for sale | 39,627,000 | 38,967,000 | 37,415,000 | 39,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,460,000 | 315,031,000 | 308,941,000 | 315,648,000 |
| Interest-bearing deposits | 224,516,000 | 218,672,000 | 214,829,000 | 221,039,000 |
| Noninterest-bearing deposits | 100,944,000 | 96,359,000 | 94,112,000 | 94,609,000 |
| Equity capital | 41,169,000 | 41,704,000 | 41,655,000 | 43,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,010,000 | 10,298,000 | 15,817,000 | 21,722,000 |
| Interest expense | 669,000 | 1,480,000 | 2,641,000 | 3,932,000 |
| Net interest income | 4,341,000 | 8,818,000 | 13,176,000 | 17,790,000 |
| Noninterest income | 792,000 | 1,528,000 | 2,271,000 | 3,024,000 |
| Noninterest expense | 3,434,000 | 6,923,000 | 10,497,000 | 14,055,000 |
| Provision for loan losses | -21,000 | 469,000 | 175,000 | 219,000 |
| Pretax income | 1,707,000 | 2,943,000 | 4,764,000 | 6,540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,707,000 | 2,943,000 | 4,764,000 | 6,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,666,000 | 46,290,000 | 47,528,000 | 47,090,000 |
| Total capital | 48,662,000 | 49,755,000 | 50,625,000 | 50,316,000 |
| Risk-weighted assets | 322,963,000 | 325,610,000 | 318,406,000 | 314,853,000 |