Call reports 2002
COMMUNITY BANKS OF SHELBY COUNTY — 2002
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 60,488,000 | 61,088,000 | 58,891,000 | 60,519,000 |
| Total loans | 30,976,000 | 33,561,000 | 31,357,000 | 30,876,000 |
| Allowance for loan losses | 312,000 | 340,000 | 370,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,504,000 | 24,032,000 | 23,919,000 | 20,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,834,000 | 49,687,000 | 49,119,000 | 49,879,000 |
| Interest-bearing deposits | 48,230,000 | 46,858,000 | 46,347,000 | 46,922,000 |
| Noninterest-bearing deposits | 3,604,000 | 2,829,000 | 2,772,000 | 2,957,000 |
| Equity capital | 5,956,000 | 5,769,000 | 5,816,000 | 6,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,875,000 | 2,785,000 | 3,634,000 |
| Interest expense | 447,000 | 838,000 | 1,200,000 | 1,554,000 |
| Net interest income | 506,000 | 1,037,000 | 1,585,000 | 2,080,000 |
| Noninterest income | 40,000 | 82,000 | 132,000 | 186,000 |
| Noninterest expense | 269,000 | 543,000 | 829,000 | 1,112,000 |
| Provision for loan losses | 22,000 | 66,000 | 111,000 | 181,000 |
| Pretax income | 255,000 | 510,000 | 777,000 | 973,000 |
| Income tax | 0 | 2,000 | 2,000 | 4,000 |
| Net income | 255,000 | 508,000 | 775,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,956,000 | 5,769,000 | 5,816,000 | 6,010,000 |
| Total capital | 6,268,000 | 6,109,000 | 6,186,000 | 6,410,000 |
| Risk-weighted assets | 33,674,000 | 36,386,000 | 34,444,000 | 34,237,000 |