Call reports 2007
COMMUNITY BUSINESS BANK — 2007
What COMMUNITY BUSINESS 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 | 92,717,000 | 104,688,000 | 116,892,000 | 118,096,000 |
| Total loans | 79,970,000 | 90,869,000 | 102,101,000 | 108,449,000 |
| Allowance for loan losses | 933,000 | 960,000 | 930,000 | 1,136,000 |
| Securities available for sale | 7,105,000 | 6,949,000 | 5,851,000 | 4,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,562,000 | 71,385,000 | 84,228,000 | 92,608,000 |
| Interest-bearing deposits | 58,744,000 | 64,119,000 | 73,561,000 | 79,808,000 |
| Noninterest-bearing deposits | 7,818,000 | 7,266,000 | 10,667,000 | 12,800,000 |
| Equity capital | 18,727,000 | 18,817,000 | 18,874,000 | 18,955,000 |
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 | 1,765,000 | 3,668,000 | 5,790,000 | 8,053,000 |
| Interest expense | 797,000 | 1,673,000 | 2,649,000 | 3,682,000 |
| Net interest income | 968,000 | 1,995,000 | 3,141,000 | 4,371,000 |
| Noninterest income | 102,000 | 217,000 | 373,000 | 775,000 |
| Noninterest expense | 1,060,000 | 2,099,000 | 3,347,000 | 4,714,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 297,000 |
| Pretax income | 10,000 | 88,000 | 92,000 | 135,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 9,000 | 87,000 | 91,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,737,000 | 18,842,000 | 18,880,000 | 18,943,000 |
| Total capital | 19,737,000 | 19,867,000 | 19,882,000 | 20,168,000 |
| Risk-weighted assets | 93,641,000 | 107,746,000 | 116,974,000 | 120,368,000 |