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 | 60,683,000 | 61,066,000 | 61,831,000 | 61,795,000 |
| Total loans | 39,697,000 | 40,146,000 | 41,159,000 | 41,186,000 |
| Allowance for loan losses | 393,000 | 398,000 | 387,000 | 386,000 |
| Securities available for sale | 83,000 | 79,000 | 75,000 | 72,000 |
| Securities held to maturity | 2,353,000 | 6,033,000 | 5,944,000 | 5,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,935,000 | 56,075,000 | 56,001,000 | 57,254,000 |
| Interest-bearing deposits | 47,264,000 | 47,496,000 | 46,043,000 | 47,468,000 |
| Noninterest-bearing deposits | 8,671,000 | 8,579,000 | 9,958,000 | 9,786,000 |
| Equity capital | 4,371,000 | 4,671,000 | 4,459,000 | 4,271,000 |
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 | 1,080,000 | 2,181,000 | 3,287,000 | 4,406,000 |
| Interest expense | 400,000 | 807,000 | 1,217,000 | 1,626,000 |
| Net interest income | 680,000 | 1,374,000 | 2,070,000 | 2,780,000 |
| Noninterest income | 227,000 | 519,000 | 788,000 | 1,058,000 |
| Noninterest expense | 496,000 | 1,016,000 | 1,547,000 | 2,057,000 |
| Provision for loan losses | 4,000 | 7,000 | 10,000 | 10,000 |
| Pretax income | 407,000 | 870,000 | 1,301,000 | 1,771,000 |
| Income tax | 141,000 | 303,000 | 447,000 | 606,000 |
| Net income | 266,000 | 567,000 | 854,000 | 1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,370,000 | 4,670,000 | 4,458,000 | 4,269,000 |
| Total capital | 4,763,000 | 5,068,000 | 4,845,000 | 4,655,000 |
| Risk-weighted assets | 39,444,000 | 40,021,000 | 39,558,000 | 37,446,000 |