Call reports 2009
COMMUNITY BANKS OF SHELBY COUNTY — 2009
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 47,954,000 | 48,395,000 | 46,820,000 | 48,768,000 |
| Total loans | 21,253,000 | 20,944,000 | 20,655,000 | 21,057,000 |
| Allowance for loan losses | 213,000 | 213,000 | 213,000 | 215,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,199,000 | 7,200,000 | 7,527,000 | 6,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,352,000 | 42,861,000 | 41,413,000 | 43,362,000 |
| Interest-bearing deposits | 37,928,000 | 38,488,000 | 37,713,000 | 39,069,000 |
| Noninterest-bearing deposits | 4,424,000 | 4,373,000 | 3,700,000 | 4,293,000 |
| Equity capital | 5,302,000 | 5,213,000 | 5,114,000 | 5,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 951,000 | 1,434,000 | 1,932,000 |
| Interest expense | 183,000 | 365,000 | 538,000 | 700,000 |
| Net interest income | 298,000 | 586,000 | 896,000 | 1,232,000 |
| Noninterest income | 59,000 | 126,000 | 191,000 | 252,000 |
| Noninterest expense | 347,000 | 781,000 | 1,113,000 | 1,377,000 |
| Provision for loan losses | 0 | 10,000 | 152,000 | 154,000 |
| Pretax income | 10,000 | -79,000 | -178,000 | -47,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,000 | -79,000 | -178,000 | -47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,302,000 | 5,213,000 | 5,114,000 | 5,145,000 |
| Total capital | 5,515,000 | 5,426,000 | 5,327,000 | 5,360,000 |
| Risk-weighted assets | 24,172,000 | 23,686,000 | 23,687,000 | 23,659,000 |