Call reports 2016
COMMUNITY BANK — 2016
What COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 54,000,000 | 55,701,000 | 52,744,000 | 53,448,000 |
| Total loans | 21,789,000 | 21,994,000 | 23,519,000 | 24,135,000 |
| Allowance for loan losses | 248,000 | 242,000 | 273,000 | 284,000 |
| Securities available for sale | 24,885,000 | 26,558,000 | 24,019,000 | 23,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,098,000 | 46,632,000 | 43,591,000 | 45,067,000 |
| Interest-bearing deposits | 35,800,000 | 36,602,000 | 35,786,000 | 34,929,000 |
| Noninterest-bearing deposits | 9,298,000 | 10,030,000 | 7,805,000 | 10,138,000 |
| Equity capital | 8,374,000 | 8,465,000 | 8,479,000 | 8,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,018,000 | 1,547,000 | 2,073,000 |
| Interest expense | 61,000 | 122,000 | 183,000 | 244,000 |
| Net interest income | 449,000 | 896,000 | 1,364,000 | 1,829,000 |
| Noninterest income | 4,000 | 7,000 | 15,000 | 37,000 |
| Noninterest expense | 272,000 | 559,000 | 922,000 | 1,429,000 |
| Provision for loan losses | 30,000 | 45,000 | 75,000 | 100,000 |
| Pretax income | 151,000 | 298,000 | 384,000 | 340,000 |
| Income tax | 28,000 | 71,000 | 86,000 | 43,000 |
| Net income | 123,000 | 227,000 | 298,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,901,000 | 7,931,000 | 8,002,000 | 7,872,000 |
| Total capital | 8,149,000 | 8,173,000 | 8,275,000 | 8,156,000 |
| Risk-weighted assets | 27,076,000 | 27,050,000 | 28,856,000 | 29,398,000 |