Call reports 2007
CALHOUN COUNTY BANK, INC. — 2007
What CALHOUN COUNTY BANK, INC. 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 | 92,769,000 | 91,636,000 | 91,954,000 | 93,697,000 |
| Total loans | 64,702,000 | 66,773,000 | 68,414,000 | 70,071,000 |
| Allowance for loan losses | 805,000 | 802,000 | 804,000 | 811,000 |
| Securities available for sale | 12,014,000 | 10,822,000 | 9,766,000 | 7,201,000 |
| Securities held to maturity | 695,000 | 696,000 | 696,000 | 696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,391,000 | 82,388,000 | 82,342,000 | 84,019,000 |
| Interest-bearing deposits | 61,682,000 | 60,455,000 | 63,408,000 | 64,643,000 |
| Noninterest-bearing deposits | 19,709,000 | 21,933,000 | 18,934,000 | 19,376,000 |
| Equity capital | 8,807,000 | 8,523,000 | 8,763,000 | 8,596,000 |
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 | 1,444,000 | 2,997,000 | 4,602,000 | 6,172,000 |
| Interest expense | 474,000 | 1,017,000 | 1,544,000 | 2,081,000 |
| Net interest income | 970,000 | 1,980,000 | 3,058,000 | 4,091,000 |
| Noninterest income | 194,000 | 397,000 | 610,000 | 824,000 |
| Noninterest expense | 839,000 | 1,746,000 | 2,626,000 | 3,611,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 325,000 | 631,000 | 1,027,000 | 1,274,000 |
| Income tax | 103,000 | 191,000 | 344,000 | 417,000 |
| Net income | 222,000 | 440,000 | 683,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,805,000 | 8,521,000 | 8,764,000 | 8,586,000 |
| Total capital | 9,545,000 | 9,266,000 | 9,527,000 | 9,350,000 |
| Risk-weighted assets | 59,108,000 | 59,541,000 | 61,022,000 | 61,106,000 |