Call reports 2007
COMMUNITY BANK OF ROCKMART — 2007
What COMMUNITY BANK OF ROCKMART 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 | 41,479,000 | 48,509,000 | 51,095,000 | 54,546,000 |
| Total loans | 30,259,000 | 34,780,000 | 37,922,000 | 43,296,000 |
| Allowance for loan losses | 378,000 | 435,000 | 469,000 | 530,000 |
| Securities available for sale | 7,938,000 | 8,877,000 | 7,956,000 | 5,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,429,000 | 38,203,000 | 40,658,000 | 44,128,000 |
| Interest-bearing deposits | 28,695,000 | 36,191,000 | 38,668,000 | 42,041,000 |
| Noninterest-bearing deposits | 3,734,000 | 2,012,000 | 1,990,000 | 2,087,000 |
| Equity capital | 6,240,000 | 6,228,000 | 6,303,000 | 6,305,000 |
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 | 683,000 | 1,488,000 | 2,432,000 | 3,428,000 |
| Interest expense | 373,000 | 816,000 | 1,348,000 | 1,900,000 |
| Net interest income | 310,000 | 672,000 | 1,084,000 | 1,528,000 |
| Noninterest income | 56,000 | 114,000 | 146,000 | 198,000 |
| Noninterest expense | 403,000 | 789,000 | 1,226,000 | 1,704,000 |
| Provision for loan losses | 70,000 | 126,000 | 161,000 | 222,000 |
| Pretax income | -107,000 | -129,000 | -157,000 | -200,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -107,000 | -129,000 | -157,000 | -200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,302,000 | 6,281,000 | 6,252,000 | 6,210,000 |
| Total capital | 6,680,000 | 6,716,000 | 6,721,000 | 6,740,000 |
| Risk-weighted assets | 33,528,000 | 41,446,000 | 44,778,000 | 49,751,000 |