Call reports 2007
BENCHMARK COMMUNITY BANK — 2007
What BENCHMARK 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 | 320,016,000 | 321,844,000 | 330,328,000 | 342,797,000 |
| Total loans | 259,262,000 | 270,822,000 | 278,139,000 | 289,934,000 |
| Allowance for loan losses | 2,191,000 | 2,141,000 | 2,170,000 | 2,248,000 |
| Securities available for sale | 22,820,000 | 24,179,000 | 24,007,000 | 23,755,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,776,000 | 290,100,000 | 297,165,000 | 303,677,000 |
| Interest-bearing deposits | 246,665,000 | 247,259,000 | 252,740,000 | 261,707,000 |
| Noninterest-bearing deposits | 42,111,000 | 42,841,000 | 44,425,000 | 41,970,000 |
| Equity capital | 28,974,000 | 29,779,000 | 30,922,000 | 31,489,000 |
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 | 5,092,000 | 10,345,000 | 16,155,000 | 21,980,000 |
| Interest expense | 2,205,000 | 4,475,000 | 6,858,000 | 9,375,000 |
| Net interest income | 2,887,000 | 5,870,000 | 9,297,000 | 12,605,000 |
| Noninterest income | 545,000 | 1,213,000 | 1,676,000 | 2,282,000 |
| Noninterest expense | 2,177,000 | 4,403,000 | 6,738,000 | 9,078,000 |
| Provision for loan losses | 20,000 | 20,000 | 69,000 | 126,000 |
| Pretax income | 1,236,000 | 2,661,000 | 4,166,000 | 5,683,000 |
| Income tax | 356,000 | 772,000 | 1,199,000 | 1,704,000 |
| Net income | 880,000 | 1,889,000 | 2,967,000 | 3,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,954,000 | 28,832,000 | 29,896,000 | 30,297,000 |
| Total capital | 30,145,000 | 30,973,000 | 32,066,000 | 32,546,000 |
| Risk-weighted assets | 236,841,000 | 247,072,000 | 256,667,000 | 266,100,000 |