Call reports 2014
COMMUNITY BANKS OF SHELBY COUNTY — 2014
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 51,423,000 | 50,747,000 | 49,569,000 | 48,559,000 |
| Total loans | 21,398,000 | 22,019,000 | 22,702,000 | 23,286,000 |
| Allowance for loan losses | 203,000 | 205,000 | 209,000 | 213,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,561,000 | 10,157,000 | 10,147,000 | 9,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,705,000 | 44,985,000 | 43,510,000 | 42,803,000 |
| Interest-bearing deposits | 39,212,000 | 39,112,000 | 38,370,000 | 37,125,000 |
| Noninterest-bearing deposits | 6,493,000 | 5,873,000 | 5,140,000 | 5,678,000 |
| Equity capital | 5,264,000 | 5,298,000 | 5,297,000 | 5,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 679,000 | 1,039,000 | 1,390,000 |
| Interest expense | 38,000 | 75,000 | 110,000 | 144,000 |
| Net interest income | 296,000 | 604,000 | 929,000 | 1,246,000 |
| Noninterest income | 41,000 | 106,000 | 178,000 | 235,000 |
| Noninterest expense | 322,000 | 662,000 | 1,009,000 | 1,346,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 27,000 |
| Pretax income | 15,000 | 48,000 | 93,000 | 108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | 48,000 | 93,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,264,000 | 5,298,000 | 5,297,000 | 5,312,000 |
| Total capital | 5,467,000 | 5,503,000 | 5,506,000 | 5,525,000 |
| Risk-weighted assets | 25,346,000 | 25,395,000 | 25,848,000 | 26,228,000 |