Call reports 2008
COMMUNITY BANK OF ROWAN — 2008
What COMMUNITY BANK OF ROWAN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 119,490,000 | 130,521,000 | 146,431,000 | 138,328,000 |
| Total loans | 103,459,000 | 106,105,000 | 112,388,000 | 109,290,000 |
| Allowance for loan losses | 1,567,000 | 1,592,000 | 1,686,000 | 1,634,000 |
| Securities available for sale | 0 | 4,229,000 | 10,176,000 | 8,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,508,000 | 108,135,000 | 118,667,000 | 109,480,000 |
| Interest-bearing deposits | 76,822,000 | 100,942,000 | 111,103,000 | 101,497,000 |
| Noninterest-bearing deposits | 6,686,000 | 7,193,000 | 7,564,000 | 7,983,000 |
| Equity capital | 9,712,000 | 10,035,000 | 10,281,000 | 10,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,538,000 | 5,207,000 | 6,868,000 |
| Interest expense | 1,079,000 | 2,011,000 | 2,921,000 | 3,798,000 |
| Net interest income | 751,000 | 1,527,000 | 2,286,000 | 3,070,000 |
| Noninterest income | 111,000 | 188,000 | 346,000 | 443,000 |
| Noninterest expense | 331,000 | 868,000 | 1,247,000 | 1,768,000 |
| Provision for loan losses | 123,000 | 149,000 | 242,000 | 198,000 |
| Pretax income | 408,000 | 698,000 | 1,143,000 | 1,547,000 |
| Income tax | 158,000 | 272,000 | 445,000 | 602,000 |
| Net income | 250,000 | 426,000 | 698,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,084,000 | 10,003,000 | 10,275,000 | 10,537,000 |
| Total capital | 10,360,000 | 11,365,000 | 11,722,000 | 11,914,000 |
| Risk-weighted assets | 101,791,000 | 108,740,000 | 115,545,000 | 109,869,000 |
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