Call reports 2007
COMMUNITY BANK OF PICKENS COUNTY — 2007
What COMMUNITY BANK OF PICKENS COUNTY 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 | 239,127,000 | 263,706,000 | 264,817,000 | 269,763,000 |
| Total loans | 195,821,000 | 211,403,000 | 220,029,000 | 225,321,000 |
| Allowance for loan losses | 2,140,000 | 2,165,000 | 2,305,000 | 2,766,000 |
| Securities available for sale | 24,230,000 | 24,593,000 | 26,026,000 | 26,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,984,000 | 238,010,000 | 237,711,000 | 241,943,000 |
| Interest-bearing deposits | 198,905,000 | 216,269,000 | 221,493,000 | 227,872,000 |
| Noninterest-bearing deposits | 15,079,000 | 21,741,000 | 16,218,000 | 14,071,000 |
| Equity capital | 19,717,000 | 20,274,000 | 21,483,000 | 22,326,000 |
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 | 4,532,000 | 9,465,000 | 14,798,000 | 20,271,000 |
| Interest expense | 2,387,000 | 5,018,000 | 7,941,000 | 10,850,000 |
| Net interest income | 2,145,000 | 4,447,000 | 6,857,000 | 9,421,000 |
| Noninterest income | 218,000 | 447,000 | 759,000 | 1,058,000 |
| Noninterest expense | 1,090,000 | 2,218,000 | 3,406,000 | 4,624,000 |
| Provision for loan losses | 115,000 | 175,000 | 375,000 | 945,000 |
| Pretax income | 1,158,000 | 2,501,000 | 3,835,000 | 4,910,000 |
| Income tax | 399,000 | 854,000 | 1,307,000 | 1,683,000 |
| Net income | 759,000 | 1,647,000 | 2,528,000 | 3,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,832,000 | 20,720,000 | 21,601,000 | 22,300,000 |
| Total capital | 21,972,000 | 22,885,000 | 23,906,000 | 25,066,000 |
| Risk-weighted assets | 192,118,000 | 208,848,000 | 217,260,000 | 231,661,000 |