Call reports 2007
COMMUNITY BANKING COMPANY — 2007
What COMMUNITY BANKING COMPANY 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 | 97,551,000 | 95,179,000 | 92,442,000 | 94,301,000 |
| Total loans | 55,108,000 | 53,753,000 | 54,652,000 | 50,668,000 |
| Allowance for loan losses | 1,073,000 | 1,050,000 | 1,106,000 | 1,132,000 |
| Securities available for sale | 11,345,000 | 15,384,000 | 15,457,000 | 16,761,000 |
| Securities held to maturity | 8,826,000 | 9,719,000 | 8,634,000 | 8,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,345,000 | 82,841,000 | 80,328,000 | 82,128,000 |
| Interest-bearing deposits | 74,258,000 | 72,013,000 | 70,062,000 | 72,146,000 |
| Noninterest-bearing deposits | 11,087,000 | 10,828,000 | 10,266,000 | 9,982,000 |
| Equity capital | 11,717,000 | 11,884,000 | 11,617,000 | 11,630,000 |
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 | 1,508,000 | 3,052,000 | 4,589,000 | 6,106,000 |
| Interest expense | 610,000 | 1,249,000 | 1,896,000 | 2,540,000 |
| Net interest income | 898,000 | 1,803,000 | 2,693,000 | 3,566,000 |
| Noninterest income | 186,000 | 409,000 | 634,000 | 838,000 |
| Noninterest expense | 654,000 | 1,337,000 | 2,040,000 | 2,744,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 400,000 | 815,000 | 1,197,000 | 1,547,000 |
| Income tax | 116,000 | 237,000 | 348,000 | 450,000 |
| Net income | 284,000 | 578,000 | 849,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,064,000 | 10,283,000 | 9,924,000 | 9,887,000 |
| Total capital | 10,833,000 | 10,994,000 | 10,664,000 | 10,596,000 |
| Risk-weighted assets | 61,225,000 | 56,523,000 | 58,970,000 | 56,319,000 |