Call reports 2006
COMMUNITYBANKS — 2006
What COMMUNITYBANKS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 3,411,062,000 | 3,376,404,000 | 3,420,958,000 | 3,490,441,000 |
| Total loans | 2,290,720,000 | 2,347,827,000 | 2,350,313,000 | 2,370,888,000 |
| Allowance for loan losses | 23,310,000 | 23,788,000 | 24,034,000 | 23,626,000 |
| Securities available for sale | 529,732,000 | 518,011,000 | 515,450,000 | 607,820,000 |
| Securities held to maturity | 23,040,000 | 23,049,000 | 23,059,000 | 23,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,380,662,000 | 2,414,368,000 | 2,487,362,000 | 2,518,112,000 |
| Interest-bearing deposits | 2,166,406,000 | 2,185,701,000 | 2,283,959,000 | 2,303,266,000 |
| Noninterest-bearing deposits | 214,256,000 | 228,667,000 | 203,403,000 | 214,846,000 |
| Equity capital | 510,155,000 | 507,872,000 | 516,693,000 | 522,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 46,840,000 | 95,719,000 | 146,107,000 | 197,381,000 |
| Interest expense | 19,174,000 | 40,131,000 | 62,606,000 | 86,903,000 |
| Net interest income | 27,666,000 | 55,588,000 | 83,501,000 | 110,478,000 |
| Noninterest income | 8,202,000 | 16,860,000 | 25,582,000 | 34,288,000 |
| Noninterest expense | 20,257,000 | 40,763,000 | 61,637,000 | 83,775,000 |
| Provision for loan losses | 500,000 | 1,150,000 | 1,400,000 | 2,050,000 |
| Pretax income | 15,103,000 | 30,531,000 | 45,725,000 | 58,620,000 |
| Income tax | 3,976,000 | 8,121,000 | 12,226,000 | 15,259,000 |
| Net income | 11,127,000 | 22,410,000 | 33,499,000 | 43,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 255,226,000 | 256,947,000 | 258,447,000 | 265,765,000 |
| Total capital | 278,536,000 | 280,735,000 | 282,481,000 | 289,391,000 |
| Risk-weighted assets | 2,525,107,000 | 2,559,301,000 | 2,550,812,000 | 2,602,958,000 |