Call reports 2015
COMMUNITY BANKS OF SHELBY COUNTY — 2015
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 51,114,000 | 48,563,000 | 48,552,000 | 48,753,000 |
| Total loans | 22,386,000 | 22,808,000 | 22,196,000 | 20,422,000 |
| Allowance for loan losses | 217,000 | 220,000 | 224,000 | 228,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,379,000 | 9,920,000 | 8,813,000 | 7,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,739,000 | 43,128,000 | 43,102,000 | 43,307,000 |
| Interest-bearing deposits | 39,135,000 | 36,712,000 | 37,352,000 | 36,769,000 |
| Noninterest-bearing deposits | 6,604,000 | 6,416,000 | 5,750,000 | 6,538,000 |
| Equity capital | 5,300,000 | 5,349,000 | 5,370,000 | 5,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 690,000 | 1,030,000 | 1,361,000 |
| Interest expense | 32,000 | 65,000 | 97,000 | 127,000 |
| Net interest income | 312,000 | 625,000 | 933,000 | 1,234,000 |
| Noninterest income | 50,000 | 106,000 | 160,000 | 210,000 |
| Noninterest expense | 339,000 | 655,000 | 992,000 | 1,307,000 |
| Provision for loan losses | 5,000 | 9,000 | 13,000 | 17,000 |
| Pretax income | 18,000 | 67,000 | 88,000 | 120,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 18,000 | 67,000 | 88,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,300,000 | 5,349,000 | 5,370,000 | 5,402,000 |
| Total capital | 5,517,000 | 5,569,000 | 5,594,000 | 5,630,000 |
| Risk-weighted assets | 26,968,000 | 26,836,000 | 25,628,000 | 23,495,000 |