Call reports 2003
COMMUNITY BANKS OF SHELBY COUNTY — 2003
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,784,000 | 62,846,000 | 62,646,000 | 62,766,000 |
| Total loans | 28,602,000 | 26,514,000 | 24,846,000 | 23,845,000 |
| Allowance for loan losses | 430,000 | 448,000 | 445,000 | 360,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,775,000 | 23,090,000 | 30,819,000 | 34,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,697,000 | 53,341,000 | 52,980,000 | 52,207,000 |
| Interest-bearing deposits | 49,430,000 | 50,060,000 | 49,959,000 | 49,192,000 |
| Noninterest-bearing deposits | 3,267,000 | 3,281,000 | 3,021,000 | 3,015,000 |
| Equity capital | 5,858,000 | 5,733,000 | 5,757,000 | 5,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,512,000 | 2,210,000 | 2,917,000 |
| Interest expense | 342,000 | 639,000 | 911,000 | 1,146,000 |
| Net interest income | 442,000 | 873,000 | 1,299,000 | 1,771,000 |
| Noninterest income | 40,000 | 86,000 | 132,000 | 180,000 |
| Noninterest expense | 293,000 | 591,000 | 899,000 | 1,216,000 |
| Provision for loan losses | 41,000 | 65,000 | 65,000 | 64,000 |
| Pretax income | 148,000 | 303,000 | 467,000 | 671,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 148,000 | 303,000 | 467,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,858,000 | 5,733,000 | 5,757,000 | 5,961,000 |
| Total capital | 6,274,000 | 6,116,000 | 6,142,000 | 6,321,000 |
| Risk-weighted assets | 33,066,000 | 30,611,000 | 29,945,000 | 29,545,000 |