Call reports 2015
COMMUNITY BANK, THE — 2015
What COMMUNITY BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 107,032,000 | 105,142,000 | 106,157,000 | 105,193,000 |
| Total loans | 59,036,000 | 62,847,000 | 63,372,000 | 61,598,000 |
| Allowance for loan losses | 1,093,000 | 1,055,000 | 1,061,000 | 995,000 |
| Securities available for sale | 32,409,000 | 32,522,000 | 31,644,000 | 34,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,044,000 | 93,049,000 | 93,858,000 | 92,851,000 |
| Interest-bearing deposits | 66,488,000 | 65,829,000 | 66,508,000 | 67,767,000 |
| Noninterest-bearing deposits | 28,556,000 | 27,220,000 | 27,350,000 | 25,084,000 |
| Equity capital | 10,974,000 | 11,009,000 | 11,257,000 | 11,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 850,000 | 1,741,000 | 2,672,000 | 3,618,000 |
| Interest expense | 76,000 | 154,000 | 233,000 | 314,000 |
| Net interest income | 774,000 | 1,587,000 | 2,439,000 | 3,304,000 |
| Noninterest income | 169,000 | 344,000 | 523,000 | 706,000 |
| Noninterest expense | 781,000 | 1,589,000 | 2,396,000 | 3,184,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 162,000 | 342,000 | 566,000 | 826,000 |
| Income tax | 18,000 | 71,000 | 107,000 | 192,000 |
| Net income | 144,000 | 271,000 | 459,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,671,000 | 10,798,000 | 10,985,000 | 11,161,000 |
| Total capital | 11,542,000 | 11,748,000 | 11,932,000 | 12,100,000 |
| Risk-weighted assets | 69,525,000 | 75,912,000 | 75,652,000 | 75,037,000 |