Call reports 2005
COMMUNITY BANKS OF SHELBY COUNTY — 2005
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,506,000 | 55,369,000 | 54,565,000 | 52,686,000 |
| Total loans | 20,110,000 | 20,188,000 | 20,384,000 | 19,194,000 |
| Allowance for loan losses | 259,000 | 256,000 | 176,000 | 206,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 34,358,000 | 32,148,000 | 30,142,000 | 30,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,382,000 | 44,564,000 | 43,903,000 | 43,331,000 |
| Interest-bearing deposits | 43,104,000 | 41,583,000 | 40,881,000 | 39,969,000 |
| Noninterest-bearing deposits | 3,278,000 | 2,981,000 | 3,022,000 | 3,362,000 |
| Equity capital | 6,206,000 | 6,070,000 | 6,116,000 | 6,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,190,000 | 1,767,000 | 2,333,000 |
| Interest expense | 191,000 | 391,000 | 615,000 | 863,000 |
| Net interest income | 412,000 | 799,000 | 1,152,000 | 1,470,000 |
| Noninterest income | 39,000 | 85,000 | 131,000 | 176,000 |
| Noninterest expense | 320,000 | 639,000 | 962,000 | 1,289,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 131,000 | 245,000 | 291,000 | 297,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 131,000 | 245,000 | 291,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,206,000 | 6,070,000 | 6,116,000 | 6,122,000 |
| Total capital | 6,465,000 | 6,326,000 | 6,292,000 | 6,328,000 |
| Risk-weighted assets | 25,831,000 | 25,381,000 | 22,866,000 | 21,747,000 |