Call reports 2008
COMMUNITY BANK OF ROCKMART — 2008
What COMMUNITY BANK OF ROCKMART reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 63,934,000 | 66,530,000 | 71,465,000 | 71,966,000 |
| Total loans | 49,675,000 | 54,558,000 | 58,210,000 | 58,710,000 |
| Allowance for loan losses | 515,000 | 603,000 | 654,000 | 856,000 |
| Securities available for sale | 7,095,000 | 6,178,000 | 6,777,000 | 6,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,033,000 | 53,911,000 | 56,696,000 | 57,396,000 |
| Interest-bearing deposits | 48,348,000 | 51,084,000 | 53,484,000 | 54,202,000 |
| Noninterest-bearing deposits | 2,685,000 | 2,827,000 | 3,212,000 | 3,194,000 |
| Equity capital | 6,244,000 | 5,943,000 | 6,077,000 | 5,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,106,000 | 3,227,000 | 4,227,000 |
| Interest expense | 564,000 | 1,133,000 | 1,709,000 | 2,247,000 |
| Net interest income | 458,000 | 973,000 | 1,518,000 | 1,980,000 |
| Noninterest income | 62,000 | 132,000 | 196,000 | 303,000 |
| Noninterest expense | 545,000 | 1,088,000 | 1,646,000 | 2,205,000 |
| Provision for loan losses | 67,000 | 154,000 | 278,000 | 762,000 |
| Pretax income | -92,000 | -137,000 | -210,000 | -684,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -92,000 | -137,000 | -210,000 | -684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,118,000 | 6,073,000 | 6,000,000 | 5,696,000 |
| Total capital | 6,633,000 | 6,676,000 | 6,654,000 | 6,428,000 |
| Risk-weighted assets | 57,919,000 | 61,616,000 | 66,061,000 | 58,394,000 |