Call reports 2007
COMMUNITY BANK OF SNYDER — 2007
What COMMUNITY BANK OF SNYDER 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 | 114,757,000 | 107,134,000 | 109,068,000 | 122,743,000 |
| Total loans | 40,945,000 | 44,908,000 | 43,220,000 | 44,234,000 |
| Allowance for loan losses | 415,000 | 455,000 | 438,000 | 452,000 |
| Securities available for sale | 49,705,000 | 40,858,000 | 37,517,000 | 45,969,000 |
| Securities held to maturity | 11,703,000 | 11,331,000 | 9,694,000 | 13,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,882,000 | 95,507,000 | 96,608,000 | 110,104,000 |
| Interest-bearing deposits | 85,234,000 | 78,746,000 | 78,215,000 | 90,051,000 |
| Noninterest-bearing deposits | 17,648,000 | 16,761,000 | 18,393,000 | 20,053,000 |
| Equity capital | 10,271,000 | 10,125,000 | 10,613,000 | 10,862,000 |
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 | 1,507,000 | 3,026,000 | 4,511,000 | 6,070,000 |
| Interest expense | 818,000 | 1,577,000 | 2,326,000 | 3,098,000 |
| Net interest income | 689,000 | 1,449,000 | 2,185,000 | 2,972,000 |
| Noninterest income | 117,000 | 242,000 | 357,000 | 474,000 |
| Noninterest expense | 665,000 | 1,300,000 | 1,941,000 | 2,571,000 |
| Provision for loan losses | 90,000 | 128,000 | 105,000 | 117,000 |
| Pretax income | 51,000 | 263,000 | 496,000 | 758,000 |
| Income tax | 5,000 | 64,000 | 127,000 | 208,000 |
| Net income | 46,000 | 199,000 | 369,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,831,000 | 10,872,000 | 10,929,000 | 10,998,000 |
| Total capital | 11,246,000 | 11,326,000 | 11,367,000 | 11,450,000 |
| Risk-weighted assets | 57,912,000 | 60,550,000 | 57,412,000 | 60,647,000 |