Call reports 2013
COMMUNITY BANKS OF SHELBY COUNTY — 2013
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 48,570,000 | 47,607,000 | 46,832,000 | 48,692,000 |
| Total loans | 19,821,000 | 20,614,000 | 21,575,000 | 22,654,000 |
| Allowance for loan losses | 192,000 | 192,000 | 193,000 | 203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,545,000 | 4,509,000 | 4,499,000 | 5,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,035,000 | 42,132,000 | 40,425,000 | 43,178,000 |
| Interest-bearing deposits | 37,542,000 | 36,899,000 | 35,180,000 | 36,847,000 |
| Noninterest-bearing deposits | 5,493,000 | 5,233,000 | 5,245,000 | 6,331,000 |
| Equity capital | 5,302,000 | 5,257,000 | 5,298,000 | 5,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 670,000 | 1,007,000 | 1,346,000 |
| Interest expense | 39,000 | 72,000 | 104,000 | 139,000 |
| Net interest income | 298,000 | 598,000 | 903,000 | 1,207,000 |
| Noninterest income | 44,000 | 101,000 | 162,000 | 227,000 |
| Noninterest expense | 315,000 | 637,000 | 962,000 | 1,281,000 |
| Provision for loan losses | 0 | 0 | 0 | 59,000 |
| Pretax income | 27,000 | 62,000 | 103,000 | 94,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 27,000 | 62,000 | 103,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,302,000 | 5,257,000 | 5,298,000 | 5,289,000 |
| Total capital | 5,494,000 | 5,449,000 | 5,491,000 | 5,492,000 |
| Risk-weighted assets | 23,569,000 | 23,910,000 | 24,365,000 | 25,712,000 |