Call reports 2010
COMMUNITY BANKS OF SHELBY COUNTY — 2010
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 49,176,000 | 49,599,000 | 48,410,000 | 47,862,000 |
| Total loans | 19,826,000 | 19,497,000 | 19,996,000 | 19,899,000 |
| Allowance for loan losses | 218,000 | 215,000 | 215,000 | 215,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,647,000 | 11,641,000 | 9,636,000 | 10,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,734,000 | 44,346,000 | 43,070,000 | 42,464,000 |
| Interest-bearing deposits | 39,596,000 | 40,278,000 | 38,484,000 | 38,007,000 |
| Noninterest-bearing deposits | 4,138,000 | 4,068,000 | 4,586,000 | 4,457,000 |
| Equity capital | 5,149,000 | 5,000,000 | 5,077,000 | 5,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 461,000 | 917,000 | 1,382,000 | 1,828,000 |
| Interest expense | 153,000 | 287,000 | 382,000 | 463,000 |
| Net interest income | 308,000 | 630,000 | 1,000,000 | 1,365,000 |
| Noninterest income | 56,000 | 118,000 | 181,000 | 277,000 |
| Noninterest expense | 351,000 | 714,000 | 1,071,000 | 1,446,000 |
| Provision for loan losses | 8,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 5,000 | 25,000 | 101,000 | 187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 25,000 | 101,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,149,000 | 5,000,000 | 5,077,000 | 5,162,000 |
| Total capital | 5,367,000 | 5,215,000 | 5,292,000 | 5,377,000 |
| Risk-weighted assets | 23,871,000 | 23,650,000 | 23,692,000 | 23,648,000 |