Call reports 2016
COMMUNITY BANKS OF SHELBY COUNTY — 2016
What COMMUNITY BANKS OF SHELBY COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 47,201,000 | 47,377,000 | 46,975,000 | 48,658,000 |
| Total loans | 20,207,000 | 21,282,000 | 21,723,000 | 22,554,000 |
| Allowance for loan losses | 236,000 | 236,000 | 236,000 | 236,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,049,000 | 6,356,000 | 6,293,000 | 5,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,736,000 | 41,982,000 | 41,464,000 | 43,221,000 |
| Interest-bearing deposits | 35,547,000 | 36,024,000 | 35,543,000 | 36,311,000 |
| Noninterest-bearing deposits | 6,189,000 | 5,958,000 | 5,921,000 | 6,910,000 |
| Equity capital | 5,402,000 | 5,324,000 | 5,346,000 | 5,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 314,000 | 629,000 | 952,000 | 1,276,000 |
| Interest expense | 27,000 | 55,000 | 82,000 | 109,000 |
| Net interest income | 287,000 | 574,000 | 870,000 | 1,167,000 |
| Noninterest income | 43,000 | 84,000 | 136,000 | 179,000 |
| Noninterest expense | 322,000 | 628,000 | 954,000 | 1,261,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 0 | 22,000 | 44,000 | 77,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | 22,000 | 44,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,402,000 | 5,324,000 | 5,346,000 | 5,379,000 |
| Total capital | 5,638,000 | 5,560,000 | 5,582,000 | 5,615,000 |
| Risk-weighted assets | 23,968,000 | 24,494,000 | 25,135,000 | 25,366,000 |