Call reports 2007
DEDICATED COMMUNITY BANK — 2007
What DEDICATED COMMUNITY BANK 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 | 41,609,000 | 40,602,000 | 42,112,000 | 40,658,000 |
| Total loans | 23,561,000 | 24,281,000 | 24,849,000 | 25,297,000 |
| Allowance for loan losses | 251,000 | 263,000 | 275,000 | 260,000 |
| Securities available for sale | 10,227,000 | 9,900,000 | 9,733,000 | 9,581,000 |
| Securities held to maturity | 1,155,000 | 1,155,000 | 1,154,000 | 1,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,804,000 | 35,571,000 | 36,886,000 | 35,201,000 |
| Interest-bearing deposits | 28,893,000 | 27,633,000 | 28,738,000 | 29,314,000 |
| Noninterest-bearing deposits | 6,911,000 | 7,938,000 | 8,148,000 | 5,887,000 |
| Equity capital | 4,396,000 | 4,441,000 | 4,609,000 | 4,840,000 |
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 | 674,000 | 1,345,000 | 2,020,000 | 2,718,000 |
| Interest expense | 196,000 | 385,000 | 576,000 | 779,000 |
| Net interest income | 478,000 | 960,000 | 1,444,000 | 1,939,000 |
| Noninterest income | 90,000 | 172,000 | 257,000 | 372,000 |
| Noninterest expense | 371,000 | 746,000 | 1,121,000 | 1,488,000 |
| Provision for loan losses | 15,000 | 27,000 | 39,000 | 68,000 |
| Pretax income | 182,000 | 359,000 | 541,000 | 755,000 |
| Income tax | 62,000 | 123,000 | 186,000 | 260,000 |
| Net income | 120,000 | 236,000 | 355,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,467,000 | 4,583,000 | 4,702,000 | 4,843,000 |
| Total capital | 4,718,000 | 4,846,000 | 4,977,000 | 5,103,000 |
| Risk-weighted assets | 27,011,000 | 27,385,000 | 27,860,000 | 27,854,000 |