Call reports 2007
BANK OF MCCRORY — 2007
What BANK OF MCCRORY 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 | 63,156,000 | 64,353,000 | 64,030,000 | 65,930,000 |
| Total loans | 36,746,000 | 44,538,000 | 46,134,000 | 37,287,000 |
| Allowance for loan losses | 364,000 | 408,000 | 501,000 | 496,000 |
| Securities available for sale | 17,231,000 | 17,020,000 | 12,523,000 | 16,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,141,000 | 54,653,000 | 55,456,000 | 58,116,000 |
| Interest-bearing deposits | 45,684,000 | 44,731,000 | 45,195,000 | 45,079,000 |
| Noninterest-bearing deposits | 9,457,000 | 9,922,000 | 10,261,000 | 13,037,000 |
| Equity capital | 7,772,000 | 7,855,000 | 8,161,000 | 7,620,000 |
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 | 1,018,000 | 1,984,000 | 3,174,000 | 4,236,000 |
| Interest expense | 330,000 | 674,000 | 1,060,000 | 1,426,000 |
| Net interest income | 688,000 | 1,310,000 | 2,114,000 | 2,810,000 |
| Noninterest income | 91,000 | 216,000 | 318,000 | 427,000 |
| Noninterest expense | 438,000 | 862,000 | 1,304,000 | 1,985,000 |
| Provision for loan losses | 50,000 | 125,000 | 275,000 | 275,000 |
| Pretax income | 272,000 | 520,000 | 834,000 | 953,000 |
| Income tax | 0 | 39,000 | 177,000 | 240,000 |
| Net income | 272,000 | 481,000 | 657,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,808,000 | 8,016,000 | 8,191,000 | 7,578,000 |
| Total capital | 8,171,000 | 8,424,000 | 8,692,000 | 8,074,000 |
| Risk-weighted assets | 42,827,000 | 49,022,000 | 51,015,000 | 44,760,000 |