Call reports 2009
COMMUNITY BANK, THE — 2009
What COMMUNITY BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 190,201,000 | 200,937,000 | 216,337,000 | 217,614,000 |
| Total loans | 135,693,000 | 142,831,000 | 147,811,000 | 151,244,000 |
| Allowance for loan losses | 1,155,000 | 1,248,000 | 1,262,000 | 1,281,000 |
| Securities available for sale | 29,299,000 | 33,449,000 | 38,580,000 | 33,380,000 |
| Securities held to maturity | 2,216,000 | 2,266,000 | 1,959,000 | 1,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,225,000 | 172,788,000 | 188,328,000 | 190,425,000 |
| Interest-bearing deposits | 144,042,000 | 153,816,000 | 156,276,000 | 154,645,000 |
| Noninterest-bearing deposits | 18,183,000 | 18,972,000 | 32,052,000 | 35,780,000 |
| Equity capital | 16,334,000 | 16,734,000 | 19,023,000 | 18,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,477,000 | 8,383,000 | 10,824,000 |
| Interest expense | 1,058,000 | 2,111,000 | 3,128,000 | 4,099,000 |
| Net interest income | 1,583,000 | 3,366,000 | 5,255,000 | 6,725,000 |
| Noninterest income | 455,000 | 983,000 | 1,605,000 | 2,113,000 |
| Noninterest expense | 1,725,000 | 3,726,000 | 5,613,000 | 7,143,000 |
| Provision for loan losses | 85,000 | 225,000 | 450,000 | 805,000 |
| Pretax income | 228,000 | 398,000 | 799,000 | 1,054,000 |
| Income tax | 27,000 | -4,000 | 66,000 | 50,000 |
| Net income | 201,000 | 402,000 | 733,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,442,000 | 15,178,000 | 17,084,000 | 17,111,000 |
| Total capital | 15,597,000 | 16,426,000 | 18,346,000 | 18,392,000 |
| Risk-weighted assets | 127,462,000 | 136,151,000 | 137,796,000 | 142,076,000 |