Call reports 2006
COMMUNITY BANKS OF SHELBY COUNTY — 2006
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,680,000 | 53,455,000 | 51,709,000 | 52,936,000 |
| Total loans | 20,267,000 | 21,024,000 | 19,650,000 | 18,764,000 |
| Allowance for loan losses | 134,000 | 167,000 | 166,000 | 198,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,106,000 | 29,173,000 | 29,172,000 | 24,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,390,000 | 43,625,000 | 42,951,000 | 44,404,000 |
| Interest-bearing deposits | 41,792,000 | 40,073,000 | 39,678,000 | 40,912,000 |
| Noninterest-bearing deposits | 3,598,000 | 3,552,000 | 3,273,000 | 3,492,000 |
| Equity capital | 6,133,000 | 5,782,000 | 5,607,000 | 5,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,185,000 | 1,762,000 | 2,322,000 |
| Interest expense | 259,000 | 539,000 | 841,000 | 1,163,000 |
| Net interest income | 334,000 | 646,000 | 921,000 | 1,159,000 |
| Noninterest income | 45,000 | 92,000 | 138,000 | 183,000 |
| Noninterest expense | 319,000 | 672,000 | 1,138,000 | 1,446,000 |
| Provision for loan losses | 5,000 | 21,000 | 51,000 | 84,000 |
| Pretax income | 55,000 | 45,000 | -130,000 | -188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 55,000 | 45,000 | -130,000 | -188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,133,000 | 5,782,000 | 5,607,000 | 5,549,000 |
| Total capital | 6,267,000 | 5,949,000 | 5,773,000 | 5,747,000 |
| Risk-weighted assets | 23,039,000 | 23,265,000 | 22,326,000 | 22,238,000 |