Call reports 2007
COMMUNITY BANK — 2007
What 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 | 83,978,000 | 84,701,000 | 85,565,000 | 88,557,000 |
| Total loans | 66,294,000 | 68,722,000 | 70,158,000 | 71,942,000 |
| Allowance for loan losses | 837,000 | 859,000 | 870,000 | 808,000 |
| Securities available for sale | 9,127,000 | 9,079,000 | 9,007,000 | 8,859,000 |
| Securities held to maturity | 100,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,783,000 | 70,761,000 | 72,012,000 | 70,723,000 |
| Interest-bearing deposits | 59,641,000 | 58,817,000 | 59,739,000 | 59,083,000 |
| Noninterest-bearing deposits | 11,142,000 | 11,944,000 | 12,274,000 | 11,640,000 |
| Equity capital | 6,919,000 | 6,573,000 | 6,759,000 | 6,956,000 |
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 | 1,502,000 | 3,008,000 | 4,550,000 | 6,079,000 |
| Interest expense | 654,000 | 1,324,000 | 2,003,000 | 2,678,000 |
| Net interest income | 848,000 | 1,684,000 | 2,547,000 | 3,401,000 |
| Noninterest income | 128,000 | 221,000 | 321,000 | 428,000 |
| Noninterest expense | 733,000 | 1,454,000 | 2,204,000 | 2,993,000 |
| Provision for loan losses | 0 | 21,000 | 56,000 | 8,000 |
| Pretax income | 243,000 | 430,000 | 608,000 | 828,000 |
| Income tax | 44,000 | 107,000 | 167,000 | 243,000 |
| Net income | 199,000 | 323,000 | 441,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,920,000 | 6,614,000 | 6,732,000 | 6,876,000 |
| Total capital | 7,741,000 | 7,464,000 | 7,589,000 | 7,731,000 |
| Risk-weighted assets | 65,632,000 | 67,955,000 | 68,574,000 | 71,263,000 |