Call reports 2012
COMMUNITY BANKERS' BANK — 2012
What COMMUNITY BANKERS' BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 140,986,000 | 145,551,000 | 149,429,000 | 156,650,000 |
| Total loans | 84,376,000 | 82,920,000 | 88,870,000 | 91,832,000 |
| Allowance for loan losses | 3,616,000 | 3,367,000 | 3,213,000 | 2,997,000 |
| Securities available for sale | 28,742,000 | 32,566,000 | 38,431,000 | 36,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,365,000 | 128,503,000 | 132,750,000 | 138,956,000 |
| Interest-bearing deposits | 51,237,000 | 50,687,000 | 46,981,000 | 67,561,000 |
| Noninterest-bearing deposits | 67,128,000 | 77,816,000 | 85,769,000 | 71,395,000 |
| Equity capital | 15,067,000 | 15,305,000 | 14,843,000 | 15,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,496,000 | 3,709,000 | 4,997,000 |
| Interest expense | 140,000 | 262,000 | 371,000 | 486,000 |
| Net interest income | 1,114,000 | 2,234,000 | 3,338,000 | 4,511,000 |
| Noninterest income | 1,003,000 | 1,913,000 | 2,602,000 | 3,345,000 |
| Noninterest expense | 1,419,000 | 2,821,000 | 4,106,000 | 5,536,000 |
| Provision for loan losses | 500,000 | 975,000 | 2,225,000 | 2,375,000 |
| Pretax income | 198,000 | 351,000 | -391,000 | -55,000 |
| Income tax | 55,000 | 96,000 | -173,000 | -88,000 |
| Net income | 143,000 | 255,000 | -218,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,007,000 | 15,119,000 | 14,646,000 | 14,897,000 |
| Total capital | 16,227,000 | 16,337,000 | 15,943,000 | 16,224,000 |
| Risk-weighted assets | 95,178,000 | 95,282,000 | 101,814,000 | 104,527,000 |