Call reports 2007
ANDALUSIA COMMUNITY BANK — 2007
What ANDALUSIA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,160,000 | 27,320,000 | 28,468,000 | 28,157,000 |
| Total loans | 13,884,000 | 14,329,000 | 14,669,000 | 14,439,000 |
| Allowance for loan losses | 114,000 | 114,000 | 129,000 | 132,000 |
| Securities available for sale | 9,154,000 | 9,334,000 | 10,007,000 | 10,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,715,000 | 22,303,000 | 23,413,000 | 22,593,000 |
| Interest-bearing deposits | 18,006,000 | 19,546,000 | 20,441,000 | 19,587,000 |
| Noninterest-bearing deposits | 2,709,000 | 2,757,000 | 2,972,000 | 3,006,000 |
| Equity capital | 4,470,000 | 4,497,000 | 4,671,000 | 4,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 402,000 | 823,000 | 1,285,000 | 1,757,000 |
| Interest expense | 155,000 | 322,000 | 511,000 | 712,000 |
| Net interest income | 247,000 | 501,000 | 774,000 | 1,045,000 |
| Noninterest income | 60,000 | 130,000 | 212,000 | 296,000 |
| Noninterest expense | 217,000 | 422,000 | 613,000 | 843,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 17,000 |
| Pretax income | 90,000 | 209,000 | 358,000 | 482,000 |
| Income tax | 20,000 | 52,000 | 93,000 | 125,000 |
| Net income | 70,000 | 157,000 | 265,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,470,000 | 4,558,000 | 4,666,000 | 4,758,000 |
| Total capital | 4,584,000 | 4,672,000 | 4,795,000 | 4,890,000 |
| Risk-weighted assets | 14,973,000 | 15,676,000 | 15,906,000 | 15,716,000 |