Call reports 2015
COMMUNITY BANKERS' BANK — 2015
What COMMUNITY BANKERS' BANK 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 | 142,155,000 | 146,664,000 | 145,784,000 | 162,219,000 |
| Total loans | 80,481,000 | 71,321,000 | 76,647,000 | 79,460,000 |
| Allowance for loan losses | 2,329,000 | 2,096,000 | 2,079,000 | 2,088,000 |
| Securities available for sale | 36,276,000 | 35,946,000 | 35,940,000 | 32,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,521,000 | 121,915,000 | 115,441,000 | 112,368,000 |
| Interest-bearing deposits | 55,212,000 | 54,739,000 | 48,673,000 | 47,428,000 |
| Noninterest-bearing deposits | 62,309,000 | 67,176,000 | 66,768,000 | 64,940,000 |
| Equity capital | 16,497,000 | 16,485,000 | 16,812,000 | 17,400,000 |
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 | 1,014,000 | 1,944,000 | 2,884,000 | 3,844,000 |
| Interest expense | 124,000 | 250,000 | 373,000 | 495,000 |
| Net interest income | 890,000 | 1,694,000 | 2,511,000 | 3,349,000 |
| Noninterest income | 734,000 | 1,497,000 | 2,503,000 | 3,644,000 |
| Noninterest expense | 1,557,000 | 3,125,000 | 4,727,000 | 6,250,000 |
| Provision for loan losses | -58,000 | -124,000 | -181,000 | -181,000 |
| Pretax income | 125,000 | 190,000 | 468,000 | 924,000 |
| Income tax | 5,000 | -8,000 | 54,000 | 174,000 |
| Net income | 120,000 | 198,000 | 414,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,537,000 | 16,615,000 | 16,831,000 | 17,516,000 |
| Total capital | 17,702,000 | 17,707,000 | 18,031,000 | 18,786,000 |
| Risk-weighted assets | 93,243,000 | 86,390,000 | 95,135,000 | 100,762,000 |