Call reports 2008
COMMUNITY BANKS OF SHELBY COUNTY — 2008
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 47,631,000 | 46,875,000 | 45,766,000 | 44,262,000 |
| Total loans | 20,325,000 | 21,279,000 | 21,372,000 | 22,099,000 |
| Allowance for loan losses | 201,000 | 203,000 | 203,000 | 213,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,173,000 | 10,152,000 | 9,651,000 | 6,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,965,000 | 41,266,000 | 39,723,000 | 38,861,000 |
| Interest-bearing deposits | 37,719,000 | 37,061,000 | 35,486,000 | 34,929,000 |
| Noninterest-bearing deposits | 4,246,000 | 4,205,000 | 4,237,000 | 3,932,000 |
| Equity capital | 5,487,000 | 5,451,000 | 5,445,000 | 5,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,133,000 | 1,671,000 | 2,184,000 |
| Interest expense | 268,000 | 505,000 | 721,000 | 913,000 |
| Net interest income | 316,000 | 628,000 | 950,000 | 1,271,000 |
| Noninterest income | 43,000 | 93,000 | 173,000 | 245,000 |
| Noninterest expense | 303,000 | 615,000 | 933,000 | 1,466,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 15,000 |
| Pretax income | 56,000 | 104,000 | 188,000 | 35,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 104,000 | 188,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,487,000 | 5,451,000 | 5,445,000 | 5,292,000 |
| Total capital | 5,688,000 | 5,654,000 | 5,648,000 | 5,505,000 |
| Risk-weighted assets | 21,947,000 | 22,316,000 | 22,287,000 | 22,026,000 |