Call reports 2007
COMMUNITY NEIGHBOR BANK — 2007
What COMMUNITY NEIGHBOR 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 | 115,549,000 | 118,421,000 | 119,139,000 | 114,451,000 |
| Total loans | 79,311,000 | 79,772,000 | 79,827,000 | 83,540,000 |
| Allowance for loan losses | 1,317,000 | 1,130,000 | 1,190,000 | 1,341,000 |
| Securities available for sale | 14,430,000 | 16,943,000 | 19,454,000 | 19,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,319,000 | 100,942,000 | 101,183,000 | 97,122,000 |
| Interest-bearing deposits | 82,419,000 | 83,479,000 | 84,443,000 | 81,860,000 |
| Noninterest-bearing deposits | 15,900,000 | 17,463,000 | 16,740,000 | 15,262,000 |
| Equity capital | 10,925,000 | 11,401,000 | 11,875,000 | 11,941,000 |
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 | 2,105,000 | 4,294,000 | 6,513,000 | 8,751,000 |
| Interest expense | 880,000 | 1,804,000 | 2,753,000 | 3,680,000 |
| Net interest income | 1,225,000 | 2,490,000 | 3,760,000 | 5,071,000 |
| Noninterest income | 210,000 | 440,000 | 656,000 | 858,000 |
| Noninterest expense | 825,000 | 1,584,000 | 2,426,000 | 3,237,000 |
| Provision for loan losses | 286,000 | 301,000 | 386,000 | 586,000 |
| Pretax income | 324,000 | 1,045,000 | 1,604,000 | 2,106,000 |
| Income tax | 203,000 | 374,000 | 589,000 | 701,000 |
| Net income | 121,000 | 671,000 | 1,015,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,938,000 | 11,487,000 | 11,832,000 | 11,772,000 |
| Total capital | 11,968,000 | 12,528,000 | 12,892,000 | 12,838,000 |
| Risk-weighted assets | 82,096,000 | 83,165,000 | 84,633,000 | 84,983,000 |