Call reports 2007
COMMUNITY BANK — 2007
What 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 | 234,503,000 | 233,263,000 | 236,292,000 | 241,159,000 |
| Total loans | 208,738,000 | 210,909,000 | 207,175,000 | 200,473,000 |
| Allowance for loan losses | 2,412,000 | 2,358,000 | 2,453,000 | 1,982,000 |
| Securities available for sale | 2,480,000 | 2,487,000 | 1,001,000 | 2,526,000 |
| Securities held to maturity | 1,518,000 | 1,447,000 | 1,411,000 | 1,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,364,000 | 197,461,000 | 199,630,000 | 204,990,000 |
| Interest-bearing deposits | 151,084,000 | 149,850,000 | 153,376,000 | 154,063,000 |
| Noninterest-bearing deposits | 46,280,000 | 47,611,000 | 46,254,000 | 50,928,000 |
| Equity capital | 30,287,000 | 29,977,000 | 30,330,000 | 30,308,000 |
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 | 4,639,000 | 9,443,000 | 14,307,000 | 18,873,000 |
| Interest expense | 1,522,000 | 3,048,000 | 4,652,000 | 6,259,000 |
| Net interest income | 3,117,000 | 6,395,000 | 9,655,000 | 12,614,000 |
| Noninterest income | 280,000 | 573,000 | 865,000 | 1,161,000 |
| Noninterest expense | 1,589,000 | 3,181,000 | 4,876,000 | 6,926,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 200,000 |
| Pretax income | 1,808,000 | 3,737,000 | 5,519,000 | 6,649,000 |
| Income tax | 720,000 | 1,483,000 | 2,200,000 | 2,653,000 |
| Net income | 1,088,000 | 2,254,000 | 3,319,000 | 3,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,299,000 | 29,985,000 | 30,330,000 | 30,286,000 |
| Total capital | 32,711,000 | 32,343,000 | 32,783,000 | 32,268,000 |
| Risk-weighted assets | 216,212,000 | 217,797,000 | 216,199,000 | 212,111,000 |