Home > Shelby Savings Bank > Assets and Liabilities
Shelby Savings Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 32 | 5,269 |
| Assets and Liabilities | ||
| Total Assets: | $107,978,000 | 4,047 |
| Cash and due from depository institutions | $4,675,000 | 5,269 |
| Interest-bearing balances | $3,164,000 | 1,302 |
| Securities | $13,892,000 | 6,272 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $86,615,000 | 3,146 |
| Loan loss allowance | $428,000 | 6,297 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $952,000 | 6,116 |
| Other real estate owned | $0 | 5,269 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,844,000 | 3,755 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $107,978,000 | 4,047 |
| Total liabilities | $93,400,000 | 4,173 |
| Total deposits | $92,042,000 | 4,001 |
| Interest-bearing deposits | $91,362,000 | 3,488 |
| Deposits held in domestic offices | $92,042,000 | 3,992 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $496,000 | 4,060 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $862,000 | 4,011 |
| Total equity capital | $14,578,000 | 3,037 |
| Total bank equity capital | $14,578,000 | 3,037 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $0 | 9,968 |
| Surplus | $0 | 10,084 |
| Undivided profits | $14,578,000 | 1,799 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $75,000 | 8,095 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $542,000 | 4,373 |
| Earning assets | $103,671,000 | 3,897 |
| Long-term assets (5+ years) | $47,382,000 | 1,434 |
| Average Assets, year-to-date | $106,852,200 | 3,918 |
| Average Assets, quarterly | $107,120,000 | 4,014 |
| Volatile liabilities | $12,073,000 | 4,388 |
| Insider loans | $1,419,000 | 2,751 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $5,128,000 | 5,117 |
| Tier 1 (core) risk-based capital | $14,559,000 | 2,916 |
| Tier 2 risk-based capital | $428,000 | 5,753 |
| Total risk weighted assets | $53,260,700 | 4,784 |
| Total unused commitments | $5,128,000 | 5,121 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 33 | 5,392 |
| Assets and Liabilities | ||
| Total Assets: | $106,491,000 | 4,182 |
| Cash and due from depository institutions | $3,197,000 | 5,392 |
| Interest-bearing balances | $1,893,000 | 1,707 |
| Securities | $16,644,000 | 6,013 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $84,023,000 | 3,245 |
| Loan loss allowance | $393,000 | 6,861 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $970,000 | 6,101 |
| Other real estate owned | $0 | 5,392 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,657,000 | 4,242 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $106,491,000 | 4,182 |
| Total liabilities | $92,672,000 | 4,313 |
| Total deposits | $91,584,000 | 4,120 |
| Interest-bearing deposits | $90,865,000 | 3,592 |
| Deposits held in domestic offices | $91,584,000 | 4,109 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $446,000 | 4,038 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $642,000 | 4,995 |
| Total equity capital | $13,819,000 | 3,216 |
| Total bank equity capital | $13,819,000 | 3,216 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $0 | 10,586 |
| Undivided profits | $13,819,000 | 1,870 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $139,000 | 7,517 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $523,000 | 4,431 |
| Earning assets | $102,560,000 | 4,007 |
| Long-term assets (5+ years) | $48,324,000 | 1,324 |
| Average Assets, year-to-date | $105,570,000 | 4,059 |
| Average Assets, quarterly | $106,751,500 | 4,122 |
| Volatile liabilities | $10,900,000 | 4,589 |
| Insider loans | $1,082,000 | 3,434 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,101,000 | 6,340 |
| Tier 1 (core) risk-based capital | $13,839,000 | 3,122 |
| Tier 2 risk-based capital | $393,000 | 6,208 |
| Total risk weighted assets | $52,081,000 | 4,918 |
| Total unused commitments | $3,101,000 | 6,354 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 33 | 5,554 |
| Assets and Liabilities | ||
| Total Assets: | $102,307,000 | 4,333 |
| Cash and due from depository institutions | $5,705,000 | 5,554 |
| Interest-bearing balances | $4,031,000 | 1,147 |
| Securities | $14,510,000 | 6,828 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $79,490,000 | 3,330 |
| Loan loss allowance | $371,000 | 7,292 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,001,000 | 6,048 |
| Other real estate owned | $38,000 | 5,554 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,563,000 | 4,496 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $102,307,000 | 4,333 |
| Total liabilities | $88,319,000 | 4,500 |
| Total deposits | $87,406,000 | 4,324 |
| Interest-bearing deposits | $86,698,000 | 3,785 |
| Deposits held in domestic offices | $87,406,000 | 4,316 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $402,000 | 3,589 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $511,000 | 6,130 |
| Total equity capital | $13,988,000 | 3,157 |
| Total bank equity capital | $13,988,000 | 3,157 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $0 | 11,041 |
| Undivided profits | $13,988,000 | 1,856 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $70,000 | 8,857 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $479,000 | 4,935 |
| Earning assets | $98,031,000 | 4,170 |
| Long-term assets (5+ years) | $43,195,000 | 1,342 |
| Average Assets, year-to-date | $100,105,800 | 4,245 |
| Average Assets, quarterly | $101,451,500 | 4,321 |
| Volatile liabilities | $9,702,000 | 4,662 |
| Insider loans | $1,174,000 | 3,329 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,623,000 | 5,834 |
| Tier 1 (core) risk-based capital | $13,986,000 | 3,071 |
| Tier 2 risk-based capital | $371,000 | 6,501 |
| Total risk weighted assets | $49,884,000 | 5,047 |
| Total unused commitments | $3,623,000 | 5,846 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 33 | 5,756 |
| Assets and Liabilities | ||
| Total Assets: | $98,832,000 | 4,417 |
| Cash and due from depository institutions | $1,046,000 | 5,756 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $14,762,000 | 7,177 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $80,467,000 | 3,214 |
| Loan loss allowance | $394,000 | 7,223 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,101,000 | 5,747 |
| Other real estate owned | $0 | 5,756 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,456,000 | 5,050 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $98,832,000 | 4,417 |
| Total liabilities | $85,710,000 | 4,600 |
| Total deposits | $84,919,000 | 4,413 |
| Interest-bearing deposits | $84,529,000 | 3,830 |
| Deposits held in domestic offices | $84,919,000 | 4,402 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $284,000 | 4,192 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $507,000 | 5,151 |
| Total equity capital | $13,122,000 | 3,112 |
| Total bank equity capital | $13,122,000 | 3,112 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $13,122,000 | 1,791 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $196,000 | 6,811 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $460,000 | 4,551 |
| Earning assets | $95,229,000 | 4,232 |
| Long-term assets (5+ years) | $44,806,000 | 1,292 |
| Average Assets, year-to-date | $101,261,000 | 4,220 |
| Average Assets, quarterly | $99,679,500 | 4,352 |
| Volatile liabilities | $7,878,000 | 5,147 |
| Insider loans | $777,000 | 4,372 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,737,000 | 6,627 |
| Tier 1 (core) risk-based capital | $13,446,000 | 3,080 |
| Tier 2 risk-based capital | $394,000 | 6,304 |
| Total risk weighted assets | $49,602,500 | 4,967 |
| Total unused commitments | $2,737,000 | 6,638 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 33 | 5,994 |
| Assets and Liabilities | ||
| Total Assets: | $102,233,000 | 4,356 |
| Cash and due from depository institutions | $5,356,000 | 5,994 |
| Interest-bearing balances | $4,294,000 | 1,389 |
| Securities | $18,915,000 | 6,393 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $75,174,000 | 3,364 |
| Loan loss allowance | $356,000 | 7,923 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,154,000 | 5,597 |
| Other real estate owned | $35,000 | 5,994 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,599,000 | 4,199 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $102,233,000 | 4,356 |
| Total liabilities | $89,751,000 | 4,492 |
| Total deposits | $89,022,000 | 4,338 |
| Interest-bearing deposits | $88,496,000 | 3,817 |
| Deposits held in domestic offices | $89,022,000 | 4,331 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $201,000 | 4,020 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $528,000 | 5,142 |
| Total equity capital | $12,482,000 | 3,257 |
| Total bank equity capital | $12,482,000 | 3,257 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $12,482,000 | 1,903 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $440,000 | 5,287 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $475,000 | 3,929 |
| Earning assets | $98,383,000 | 4,187 |
| Long-term assets (5+ years) | $49,506,000 | 1,214 |
| Average Assets, year-to-date | $101,586,000 | 4,275 |
| Average Assets, quarterly | $102,102,500 | 4,328 |
| Volatile liabilities | $8,877,000 | 4,483 |
| Insider loans | $332,000 | 6,979 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,277,000 | 6,117 |
| Tier 1 (core) risk-based capital | $12,482,000 | 3,181 |
| Tier 2 risk-based capital | $356,000 | 6,779 |
| Total risk weighted assets | $48,260,000 | 5,052 |
| Total unused commitments | $3,277,000 | 6,136 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 34 | 5,937 |
| Assets and Liabilities | ||
| Total Assets: | $100,948,000 | 4,491 |
| Cash and due from depository institutions | $4,951,000 | 5,937 |
| Interest-bearing balances | $3,334,000 | 1,972 |
| Securities | $17,814,000 | 6,574 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $75,140,000 | 3,416 |
| Loan loss allowance | $254,000 | 9,511 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,284,000 | 5,260 |
| Other real estate owned | $77,000 | 5,937 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,682,000 | 4,173 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $100,948,000 | 4,491 |
| Total liabilities | $89,434,000 | 4,613 |
| Total deposits | $88,696,000 | 4,488 |
| Interest-bearing deposits | $88,359,000 | 3,982 |
| Deposits held in domestic offices | $88,696,000 | 4,481 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $166,000 | 3,995 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $572,000 | 5,211 |
| Total equity capital | $11,514,000 | 3,335 |
| Total bank equity capital | $11,514,000 | 3,335 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $11,514,000 | 1,907 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $506,000 | 5,603 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $493,000 | 4,156 |
| Earning assets | $96,288,000 | 4,316 |
| Long-term assets (5+ years) | $44,678,000 | 1,298 |
| Average Assets, year-to-date | $100,605,400 | 4,414 |
| Average Assets, quarterly | $100,723,000 | 4,468 |
| Volatile liabilities | $8,863,000 | 4,491 |
| Insider loans | $149,000 | 4,679 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,295,000 | 5,815 |
| Tier 1 (core) risk-based capital | $11,514,000 | 3,277 |
| Tier 2 risk-based capital | $254,000 | 8,354 |
| Total risk weighted assets | $48,438,300 | 5,064 |
| Total unused commitments | $3,295,000 | 5,843 |
| Derivatives | $0 | 651 |