Call reports 2025
SHELBY SAVINGS BANK, SSB — 2025
What SHELBY SAVINGS BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 409,684,000 | 433,280,000 | 449,009,000 | 454,036,000 |
| Total loans | 318,921,000 | 317,461,000 | 324,838,000 | 318,731,000 |
| Allowance for loan losses | 3,523,000 | 4,161,000 | 4,075,000 | 3,883,000 |
| Securities available for sale | 34,562,000 | 34,356,000 | 34,477,000 | 36,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,060,000 | 339,488,000 | 353,831,000 | 359,565,000 |
| Interest-bearing deposits | 231,251,000 | 248,195,000 | 256,229,000 | 270,527,000 |
| Noninterest-bearing deposits | 86,809,000 | 91,293,000 | 97,602,000 | 89,038,000 |
| Equity capital | 46,795,000 | 47,459,000 | 49,324,000 | 49,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,119,000 | 12,553,000 | 19,270,000 | 26,009,000 |
| Interest expense | 1,495,000 | 3,117,000 | 4,921,000 | 6,784,000 |
| Net interest income | 4,624,000 | 9,436,000 | 14,349,000 | 19,225,000 |
| Noninterest income | 1,084,000 | 1,928,000 | 2,750,000 | 3,618,000 |
| Noninterest expense | 3,589,000 | 7,212,000 | 10,924,000 | 14,953,000 |
| Provision for loan losses | 329,000 | 991,000 | 958,000 | 1,018,000 |
| Pretax income | 1,809,000 | 3,192,000 | 5,270,000 | 6,938,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,809,000 | 3,192,000 | 5,270,000 | 6,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,620,000 | 51,198,000 | 52,450,000 | 51,806,000 |
| Total capital | 54,188,000 | 55,391,000 | 56,556,000 | 55,712,000 |
| Risk-weighted assets | 345,129,000 | 346,005,000 | 352,286,000 | 347,989,000 |