Call reports 2007
COMMUNITY BANKS OF SHELBY COUNTY — 2007
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,780,000 | 47,351,000 | 46,587,000 | 46,957,000 |
| Total loans | 18,801,000 | 19,792,000 | 21,173,000 | 20,636,000 |
| Allowance for loan losses | 199,000 | 177,000 | 177,000 | 201,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,204,000 | 23,092,000 | 21,393,000 | 15,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,414,000 | 41,258,000 | 39,460,000 | 39,984,000 |
| Interest-bearing deposits | 39,552,000 | 37,342,000 | 35,631,000 | 35,940,000 |
| Noninterest-bearing deposits | 3,862,000 | 3,916,000 | 3,829,000 | 4,044,000 |
| Equity capital | 5,581,000 | 5,495,000 | 5,471,000 | 5,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,165,000 | 1,747,000 | 2,327,000 |
| Interest expense | 296,000 | 568,000 | 840,000 | 1,125,000 |
| Net interest income | 300,000 | 597,000 | 907,000 | 1,202,000 |
| Noninterest income | 39,000 | 83,000 | 127,000 | 177,000 |
| Noninterest expense | 308,000 | 635,000 | 949,000 | 1,257,000 |
| Provision for loan losses | 0 | 0 | 64,000 | 87,000 |
| Pretax income | 31,000 | 45,000 | 21,000 | 35,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 45,000 | 21,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,581,000 | 5,495,000 | 5,471,000 | 5,484,000 |
| Total capital | 5,780,000 | 5,672,000 | 5,648,000 | 5,685,000 |
| Risk-weighted assets | 24,043,000 | 23,538,000 | 24,604,000 | 23,773,000 |