Call reports 2007
COMMUNITY BANK — 2007
What COMMUNITY 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 | 92,623,000 | 94,609,000 | 98,495,000 | 99,861,000 |
| Total loans | 60,667,000 | 62,196,000 | 62,694,000 | 62,708,000 |
| Allowance for loan losses | 740,000 | 744,000 | 642,000 | 682,000 |
| Securities available for sale | 21,115,000 | 22,945,000 | 25,155,000 | 28,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,265,000 | 75,258,000 | 79,356,000 | 80,101,000 |
| Interest-bearing deposits | 67,622,000 | 69,834,000 | 73,636,000 | 73,806,000 |
| Noninterest-bearing deposits | 5,643,000 | 5,424,000 | 5,720,000 | 6,295,000 |
| Equity capital | 13,657,000 | 13,528,000 | 14,202,000 | 14,698,000 |
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 | 1,414,000 | 2,891,000 | 4,529,000 | 6,112,000 |
| Interest expense | 641,000 | 1,326,000 | 2,065,000 | 2,834,000 |
| Net interest income | 773,000 | 1,565,000 | 2,464,000 | 3,278,000 |
| Noninterest income | 80,000 | 156,000 | 232,000 | 287,000 |
| Noninterest expense | 419,000 | 814,000 | 1,298,000 | 1,731,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 387,000 | 830,000 | 1,276,000 | 1,667,000 |
| Income tax | 17,000 | 17,000 | 17,000 | 262,000 |
| Net income | 370,000 | 813,000 | 1,259,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,711,000 | 13,978,000 | 14,275,000 | 14,419,000 |
| Total capital | 14,451,000 | 14,722,000 | 14,917,000 | 15,101,000 |
| Risk-weighted assets | 68,116,000 | 69,559,000 | 71,170,000 | 71,075,000 |