Call reports 2004
COMMUNITY BANKS OF SHELBY COUNTY — 2004
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,689,000 | 61,432,000 | 60,354,000 | 59,546,000 |
| Total loans | 23,118,000 | 21,433,000 | 20,387,000 | 19,742,000 |
| Allowance for loan losses | 365,000 | 360,000 | 261,000 | 261,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,652,000 | 35,669,000 | 32,976,000 | 33,636,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,633,000 | 50,723,000 | 50,112,000 | 49,130,000 |
| Interest-bearing deposits | 49,352,000 | 47,573,000 | 47,159,000 | 45,719,000 |
| Noninterest-bearing deposits | 3,281,000 | 3,150,000 | 2,953,000 | 3,411,000 |
| Equity capital | 6,084,000 | 5,924,000 | 6,010,000 | 6,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,335,000 | 1,967,000 | 2,593,000 |
| Interest expense | 220,000 | 416,000 | 610,000 | 806,000 |
| Net interest income | 460,000 | 919,000 | 1,357,000 | 1,787,000 |
| Noninterest income | 107,000 | 162,000 | 220,000 | 268,000 |
| Noninterest expense | 304,000 | 631,000 | 942,000 | 1,354,000 |
| Provision for loan losses | 0 | 7,000 | 107,000 | 107,000 |
| Pretax income | 263,000 | 443,000 | 528,000 | 594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 263,000 | 443,000 | 528,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,084,000 | 5,924,000 | 6,010,000 | 6,075,000 |
| Total capital | 6,449,000 | 6,265,000 | 6,271,000 | 6,336,000 |
| Risk-weighted assets | 28,928,000 | 27,238,000 | 26,111,000 | 25,717,000 |