Call reports 2010
COMMUNITY BANK OF ROWAN — 2010
What COMMUNITY BANK OF ROWAN reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 141,061,000 | 139,403,000 | 149,520,000 | 140,276,000 |
| Total loans | 109,348,000 | 108,631,000 | 109,124,000 | 103,067,000 |
| Allowance for loan losses | 1,613,000 | 1,769,000 | 1,900,000 | 1,736,000 |
| Securities available for sale | 6,870,000 | 6,832,000 | 6,766,000 | 6,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,610,000 | 118,688,000 | 128,838,000 | 126,387,000 |
| Interest-bearing deposits | 107,103,000 | 109,810,000 | 119,401,000 | 117,891,000 |
| Noninterest-bearing deposits | 8,507,000 | 8,878,000 | 9,437,000 | 8,496,000 |
| Equity capital | 11,017,000 | 10,235,000 | 10,275,000 | 9,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 2,992,000 | 4,515,000 | 5,970,000 |
| Interest expense | 455,000 | 915,000 | 1,378,000 | 1,783,000 |
| Net interest income | 1,052,000 | 2,077,000 | 3,137,000 | 4,187,000 |
| Noninterest income | 75,000 | 222,000 | 364,000 | 619,000 |
| Noninterest expense | 857,000 | 1,614,000 | 2,475,000 | 3,354,000 |
| Provision for loan losses | 144,000 | 1,832,000 | 2,075,000 | 3,247,000 |
| Pretax income | 126,000 | -1,147,000 | -1,049,000 | -1,795,000 |
| Income tax | 50,000 | -441,000 | -402,000 | -688,000 |
| Net income | 76,000 | -706,000 | -647,000 | -1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,942,000 | 10,075,000 | 10,134,000 | 9,758,000 |
| Total capital | 12,252,000 | 11,373,000 | 11,432,000 | 10,979,000 |
| Risk-weighted assets | 104,462,000 | 103,398,000 | 103,237,000 | 97,127,000 |
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