Call reports 2011
COMMUNITY BANK OF ROWAN — 2011
What COMMUNITY BANK OF ROWAN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 134,529,000 | 145,286,000 | 147,399,000 | 144,544,000 |
| Total loans | 101,219,000 | 94,930,000 | 97,109,000 | 108,908,000 |
| Allowance for loan losses | 1,628,000 | 77,000 | 225,000 | 468,000 |
| Securities available for sale | 6,682,000 | 6,535,000 | 8,521,000 | 13,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,716,000 | 124,015,000 | 125,584,000 | 122,345,000 |
| Interest-bearing deposits | 111,470,000 | 113,454,000 | 110,550,000 | 109,367,000 |
| Noninterest-bearing deposits | 9,246,000 | 10,561,000 | 15,034,000 | 12,978,000 |
| Equity capital | 9,702,000 | 17,120,000 | 17,634,000 | 17,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,382,000 | 3,034,000 | 4,896,000 | 6,732,000 |
| Interest expense | 364,000 | 669,000 | 946,000 | 1,191,000 |
| Net interest income | 1,018,000 | 2,365,000 | 3,950,000 | 5,541,000 |
| Noninterest income | 119,000 | 617,000 | 721,000 | 1,071,000 |
| Noninterest expense | 875,000 | 1,655,000 | 2,432,000 | 3,760,000 |
| Provision for loan losses | 374,000 | 429,000 | 560,000 | 1,137,000 |
| Pretax income | -112,000 | 898,000 | 1,679,000 | 1,715,000 |
| Income tax | -41,000 | 350,000 | 651,000 | 666,000 |
| Net income | -71,000 | 548,000 | 1,028,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,400,000 | 13,054,000 | 13,017,000 | 13,530,000 |
| Total capital | 10,635,000 | 13,131,000 | 13,242,000 | 13,998,000 |
| Risk-weighted assets | 98,381,000 | 92,136,000 | 94,027,000 | 107,317,000 |
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