Call reports 2008
COMMUNITY BANK, THE — 2008
What COMMUNITY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,699,000 | 158,616,000 | 165,760,000 | 177,428,000 |
| Total loans | 105,822,000 | 113,402,000 | 122,866,000 | 130,257,000 |
| Allowance for loan losses | 935,000 | 934,000 | 923,000 | 1,115,000 |
| Securities available for sale | 29,609,000 | 26,068,000 | 23,604,000 | 16,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,190,000 | 134,971,000 | 138,386,000 | 144,622,000 |
| Interest-bearing deposits | 119,614,000 | 118,182,000 | 122,870,000 | 15,829,000 |
| Noninterest-bearing deposits | 16,576,000 | 16,789,000 | 15,516,000 | 128,793,000 |
| Equity capital | 14,723,000 | 15,681,000 | 15,995,000 | 16,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 4,895,000 | 7,392,000 | 9,930,000 |
| Interest expense | 1,198,000 | 2,248,000 | 3,335,000 | 4,382,000 |
| Net interest income | 1,241,000 | 2,647,000 | 4,057,000 | 5,548,000 |
| Noninterest income | 414,000 | 985,000 | 1,555,000 | 2,076,000 |
| Noninterest expense | 1,509,000 | 3,267,000 | 4,869,000 | 6,578,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 136,000 | 384,000 | 733,000 | 822,000 |
| Income tax | 21,000 | 82,000 | 174,000 | 191,000 |
| Net income | 115,000 | 302,000 | 559,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,081,000 | 13,749,000 | 13,941,000 | 14,305,000 |
| Total capital | 13,016,000 | 14,683,000 | 14,864,000 | 15,420,000 |
| Risk-weighted assets | 100,569,000 | 104,264,000 | 112,597,000 | 117,182,000 |