Call reports 2007
JOHNSON CITY BANK — 2007
What JOHNSON CITY 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 | 68,739,000 | 68,163,000 | 67,473,000 | 68,262,000 |
| Total loans | 48,930,000 | 50,240,000 | 50,021,000 | 52,672,000 |
| Allowance for loan losses | 747,000 | 750,000 | 189,000 | 216,000 |
| Securities available for sale | 3,914,000 | 3,927,000 | 3,957,000 | 3,984,000 |
| Securities held to maturity | 500,000 | 500,000 | 405,000 | 405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,153,000 | 59,406,000 | 57,978,000 | 58,659,000 |
| Interest-bearing deposits | 45,088,000 | 44,891,000 | 43,823,000 | 44,346,000 |
| Noninterest-bearing deposits | 15,066,000 | 14,515,000 | 14,155,000 | 14,313,000 |
| Equity capital | 8,424,000 | 8,587,000 | 9,306,000 | 9,484,000 |
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 | 1,259,000 | 2,569,000 | 3,878,000 | 5,213,000 |
| Interest expense | 407,000 | 840,000 | 1,268,000 | 1,691,000 |
| Net interest income | 852,000 | 1,729,000 | 2,610,000 | 3,522,000 |
| Noninterest income | 83,000 | 162,000 | 234,000 | 310,000 |
| Noninterest expense | 518,000 | 1,056,000 | 1,560,000 | 2,134,000 |
| Provision for loan losses | 0 | 32,000 | -443,000 | -467,000 |
| Pretax income | 417,000 | 803,000 | 1,727,000 | 2,165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 417,000 | 803,000 | 1,727,000 | 2,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,510,000 | 8,660,000 | 9,349,000 | 9,500,000 |
| Total capital | 9,098,000 | 9,260,000 | 9,407,000 | 9,560,000 |
| Risk-weighted assets | 46,876,000 | 47,902,000 | 46,892,000 | 48,784,000 |