Call reports 2008
DRUMMOND COMMUNITY BANK — 2008
What DRUMMOND COMMUNITY BANK 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 | 176,190,000 | 179,667,000 | 179,332,000 | 179,300,000 |
| Total loans | 107,350,000 | 105,155,000 | 104,492,000 | 102,158,000 |
| Allowance for loan losses | 1,480,000 | 1,514,000 | 1,560,000 | 1,540,000 |
| Securities available for sale | 52,501,000 | 58,352,000 | 58,931,000 | 58,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,294,000 | 138,331,000 | 136,641,000 | 143,390,000 |
| Interest-bearing deposits | 95,243,000 | 104,239,000 | 103,459,000 | 103,355,000 |
| Noninterest-bearing deposits | 34,052,000 | 34,091,000 | 33,182,000 | 40,035,000 |
| Equity capital | 25,506,000 | 25,546,000 | 25,931,000 | 26,548,000 |
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 | 3,266,000 | 6,505,000 | 9,763,000 | 12,904,000 |
| Interest expense | 794,000 | 1,452,000 | 2,078,000 | 2,602,000 |
| Net interest income | 2,472,000 | 5,053,000 | 7,685,000 | 10,302,000 |
| Noninterest income | 356,000 | 726,000 | 1,095,000 | 1,471,000 |
| Noninterest expense | 1,555,000 | 3,133,000 | 4,820,000 | 6,679,000 |
| Provision for loan losses | 72,000 | 185,000 | 325,000 | 505,000 |
| Pretax income | 1,201,000 | 2,461,000 | 3,635,000 | 4,589,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,201,000 | 2,461,000 | 3,635,000 | 4,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,846,000 | 25,482,000 | 26,282,000 | 26,742,000 |
| Total capital | 26,297,000 | 26,912,000 | 27,704,000 | 28,140,000 |
| Risk-weighted assets | 116,039,000 | 114,280,000 | 113,747,000 | 111,709,000 |