Call reports 2007
DRUMMOND COMMUNITY BANK — 2007
What DRUMMOND 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 | 165,749,000 | 168,422,000 | 169,888,000 | 176,537,000 |
| Total loans | 98,158,000 | 98,463,000 | 101,074,000 | 104,755,000 |
| Allowance for loan losses | 1,555,000 | 1,462,000 | 1,486,000 | 1,424,000 |
| Securities available for sale | 50,120,000 | 50,581,000 | 52,074,000 | 55,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,127,000 | 117,791,000 | 114,081,000 | 127,585,000 |
| Interest-bearing deposits | 79,579,000 | 82,697,000 | 82,194,000 | 95,000,000 |
| Noninterest-bearing deposits | 35,548,000 | 35,095,000 | 31,888,000 | 32,584,000 |
| Equity capital | 22,537,000 | 22,402,000 | 23,845,000 | 25,079,000 |
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 | 3,094,000 | 6,307,000 | 9,550,000 | 12,871,000 |
| Interest expense | 956,000 | 1,971,000 | 3,008,000 | 4,068,000 |
| Net interest income | 2,138,000 | 4,336,000 | 6,542,000 | 8,803,000 |
| Noninterest income | 362,000 | 744,000 | 1,113,000 | 1,540,000 |
| Noninterest expense | 1,423,000 | 2,780,000 | 4,299,000 | 6,029,000 |
| Provision for loan losses | 20,000 | 50,000 | 96,000 | 150,000 |
| Pretax income | 1,057,000 | 2,250,000 | 3,260,000 | 4,164,000 |
| Income tax | 3,000 | 2,000 | 2,000 | 0 |
| Net income | 1,054,000 | 2,248,000 | 3,258,000 | 4,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,482,000 | 23,160,000 | 23,772,000 | 24,575,000 |
| Total capital | 23,847,000 | 24,533,000 | 25,170,000 | 25,999,000 |
| Risk-weighted assets | 108,872,000 | 109,864,000 | 111,736,000 | 121,144,000 |