Call reports 2006
COMMUNITY BANK OF ROWAN — 2006
What COMMUNITY BANK OF ROWAN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 19,827,000 | 23,690,000 | 34,526,000 | 45,518,000 |
| Total loans | 10,717,000 | 15,418,000 | 24,007,000 | 36,534,000 |
| Allowance for loan losses | 160,000 | 225,000 | 351,000 | 534,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,042,000 | 15,637,000 | 26,678,000 | 37,763,000 |
| Interest-bearing deposits | 9,972,000 | 15,090,000 | 24,013,000 | 33,643,000 |
| Noninterest-bearing deposits | 1,070,000 | 547,000 | 2,665,000 | 4,120,000 |
| Equity capital | 8,178,000 | 8,005,000 | 7,790,000 | 7,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 103,000 | 464,000 | 991,000 | 1,773,000 |
| Interest expense | 27,000 | 171,000 | 400,000 | 749,000 |
| Net interest income | 76,000 | 293,000 | 591,000 | 1,024,000 |
| Noninterest income | 5,000 | 38,000 | 78,000 | 114,000 |
| Noninterest expense | 774,000 | 1,219,000 | 1,753,000 | 2,379,000 |
| Provision for loan losses | 160,000 | 225,000 | 351,000 | 534,000 |
| Pretax income | -853,000 | -1,113,000 | -1,435,000 | -1,775,000 |
| Income tax | -290,000 | -378,000 | -485,000 | -680,000 |
| Net income | -563,000 | -735,000 | -950,000 | -1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,888,000 | 7,627,000 | 7,305,000 | 6,965,000 |
| Total capital | 8,048,000 | 7,852,000 | 7,656,000 | 7,499,000 |
| Risk-weighted assets | 14,686,000 | 19,777,000 | 29,869,000 | 43,643,000 |
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