Call reports 2007
COMMUNITY BANK, NORTH MISSISSIPPI — 2007
What COMMUNITY BANK, NORTH MISSISSIPPI 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 | 255,930,000 | 241,943,000 | 236,659,000 | 253,186,000 |
| Total loans | 159,191,000 | 147,011,000 | 143,948,000 | 143,409,000 |
| Allowance for loan losses | 1,725,000 | 1,471,000 | 1,533,000 | 1,478,000 |
| Securities available for sale | 58,084,000 | 55,806,000 | 57,454,000 | 53,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,632,000 | 218,837,000 | 212,621,000 | 229,038,000 |
| Interest-bearing deposits | 208,635,000 | 193,613,000 | 187,160,000 | 205,287,000 |
| Noninterest-bearing deposits | 24,997,000 | 25,224,000 | 25,461,000 | 23,751,000 |
| Equity capital | 21,018,000 | 21,291,000 | 22,128,000 | 22,922,000 |
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 | 2,619,000 | 6,451,000 | 10,121,000 | 13,935,000 |
| Interest expense | 1,407,000 | 3,335,000 | 5,199,000 | 6,960,000 |
| Net interest income | 1,212,000 | 3,116,000 | 4,922,000 | 6,975,000 |
| Noninterest income | 257,000 | 1,101,000 | 1,553,000 | 2,247,000 |
| Noninterest expense | 1,211,000 | 2,952,000 | 4,595,000 | 6,202,000 |
| Provision for loan losses | 0 | 35,000 | 95,000 | 655,000 |
| Pretax income | 251,000 | 1,223,000 | 1,778,000 | 2,213,000 |
| Income tax | 84,000 | 409,000 | 593,000 | 734,000 |
| Net income | 167,000 | 814,000 | 1,185,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,517,000 | 18,190,000 | 18,587,000 | 18,925,000 |
| Total capital | 19,242,000 | 19,661,000 | 20,120,000 | 20,403,000 |
| Risk-weighted assets | 173,687,000 | 164,719,000 | 160,100,000 | 163,001,000 |