Call reports 2007
COMMUNITY BANK OF ROWAN — 2007
What COMMUNITY BANK OF ROWAN 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 | 57,848,000 | 76,763,000 | 94,684,000 | 116,363,000 |
| Total loans | 48,177,000 | 63,058,000 | 81,306,000 | 96,271,000 |
| Allowance for loan losses | 704,000 | 920,000 | 1,220,000 | 1,444,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,143,000 | 63,960,000 | 75,974,000 | 89,969,000 |
| Interest-bearing deposits | 44,967,000 | 58,267,000 | 70,172,000 | 83,622,000 |
| Noninterest-bearing deposits | 5,176,000 | 5,693,000 | 5,802,000 | 6,347,000 |
| Equity capital | 7,558,000 | 7,468,000 | 8,256,000 | 8,302,000 |
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 | 973,000 | 2,277,000 | 3,898,000 | 5,794,000 |
| Interest expense | 473,000 | 1,137,000 | 2,006,000 | 3,048,000 |
| Net interest income | 500,000 | 1,140,000 | 1,892,000 | 2,746,000 |
| Noninterest income | 158,000 | 226,000 | 330,000 | 400,000 |
| Noninterest expense | 629,000 | 1,264,000 | 1,904,000 | 2,526,000 |
| Provision for loan losses | 170,000 | 386,000 | 686,000 | 910,000 |
| Pretax income | -141,000 | -284,000 | -368,000 | -290,000 |
| Income tax | -54,000 | -107,000 | -139,000 | -107,000 |
| Net income | -87,000 | -177,000 | -229,000 | -183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,825,000 | 6,681,000 | 7,438,000 | 7,515,000 |
| Total capital | 7,467,000 | 7,508,000 | 8,498,000 | 8,744,000 |
| Risk-weighted assets | 51,329,000 | 66,098,000 | 84,627,000 | 98,096,000 |
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