Call reports 2007
MAROA FORSYTH COMMUNITY BANK — 2007
What MAROA FORSYTH 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 | 20,004,000 | 20,926,000 | 20,592,000 | 20,297,000 |
| Total loans | 10,676,000 | 10,898,000 | 10,946,000 | 10,230,000 |
| Allowance for loan losses | 88,000 | 79,000 | 88,000 | 78,000 |
| Securities available for sale | 7,014,000 | 7,004,000 | 7,314,000 | 6,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,788,000 | 17,620,000 | 17,305,000 | 16,907,000 |
| Interest-bearing deposits | 13,450,000 | 14,382,000 | 14,848,000 | 14,298,000 |
| Noninterest-bearing deposits | 3,338,000 | 3,238,000 | 2,457,000 | 2,609,000 |
| Equity capital | 2,540,000 | 2,496,000 | 2,607,000 | 2,699,000 |
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 | 322,000 | 631,000 | 960,000 | 1,277,000 |
| Interest expense | 86,000 | 182,000 | 283,000 | 378,000 |
| Net interest income | 236,000 | 449,000 | 677,000 | 899,000 |
| Noninterest income | 67,000 | 133,000 | 193,000 | 257,000 |
| Noninterest expense | 272,000 | 526,000 | 759,000 | 999,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 23,000 |
| Pretax income | 31,000 | 56,000 | 101,000 | 134,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 31,000 | 54,000 | 99,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,430,000 | 2,424,000 | 2,453,000 | 2,483,000 |
| Total capital | 2,518,000 | 2,503,000 | 2,541,000 | 2,561,000 |
| Risk-weighted assets | 12,093,000 | 12,582,000 | 12,544,000 | 11,873,000 |