Call reports 2009
COMMUNITY BANK OF ROCKMART — 2009
What COMMUNITY BANK OF ROCKMART reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 72,442,000 | 72,140,000 | 71,153,000 | 68,450,000 |
| Total loans | 56,884,000 | 54,601,000 | 52,749,000 | 50,475,000 |
| Allowance for loan losses | 824,000 | 926,000 | 899,000 | 1,062,000 |
| Securities available for sale | 7,210,000 | 7,757,000 | 7,624,000 | 6,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,717,000 | 60,825,000 | 59,039,000 | 59,100,000 |
| Interest-bearing deposits | 57,435,000 | 57,582,000 | 55,880,000 | 55,725,000 |
| Noninterest-bearing deposits | 3,282,000 | 3,243,000 | 3,159,000 | 3,375,000 |
| Equity capital | 5,928,000 | 5,489,000 | 5,630,000 | 3,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,001,000 | 2,957,000 | 3,858,000 |
| Interest expense | 540,000 | 1,049,000 | 1,525,000 | 1,945,000 |
| Net interest income | 475,000 | 952,000 | 1,432,000 | 1,913,000 |
| Noninterest income | 69,000 | 309,000 | 416,000 | 529,000 |
| Noninterest expense | 531,000 | 1,068,000 | 1,627,000 | 2,375,000 |
| Provision for loan losses | 68,000 | 375,000 | 435,000 | 2,255,000 |
| Pretax income | 5,000 | -182,000 | -214,000 | -2,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | -182,000 | -214,000 | -2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,741,000 | 5,553,000 | 5,521,000 | 3,547,000 |
| Total capital | 6,437,000 | 6,229,000 | 6,174,000 | 4,170,000 |
| Risk-weighted assets | 55,663,000 | 53,867,000 | 52,134,000 | 49,376,000 |