Call reports 2007
COMMUNITYBANKS — 2007
What COMMUNITYBANKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 3,605,704,000 | 3,743,560,000 | 3,782,352,000 |
| Total loans | 2,442,318,000 | 2,567,639,000 | 2,609,743,000 |
| Allowance for loan losses | 24,379,000 | 25,010,000 | 25,580,000 |
| Securities available for sale | 617,378,000 | 605,764,000 | 610,240,000 |
| Securities held to maturity | 23,080,000 | 23,090,000 | 23,100,000 |
| Trading assets | 0 | 19,750,000 | 20,003,000 |
| Total deposits | 2,537,525,000 | 2,614,843,000 | 2,631,805,000 |
| Interest-bearing deposits | 2,314,772,000 | 2,406,018,000 | 2,446,261,000 |
| Noninterest-bearing deposits | 222,752,000 | 208,825,000 | 185,545,000 |
| Equity capital | 532,852,000 | 577,898,000 | 587,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Interest income | 52,160,000 | 108,782,000 | 165,383,000 |
| Interest expense | 24,950,000 | 51,728,000 | 78,908,000 |
| Net interest income | 27,210,000 | 57,054,000 | 86,475,000 |
| Noninterest income | 9,395,000 | 20,540,000 | 30,802,000 |
| Noninterest expense | 21,884,000 | 46,011,000 | 68,588,000 |
| Provision for loan losses | 1,300,000 | 2,000,000 | 3,050,000 |
| Pretax income | 9,067,000 | 25,229,000 | 41,285,000 |
| Income tax | 1,733,000 | 5,962,000 | 10,043,000 |
| Net income | 7,334,000 | 19,267,000 | 31,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 274,020,000 | 306,190,000 | 312,535,000 |
| Total capital | 298,399,000 | 331,200,000 | 338,115,000 |
| Risk-weighted assets | 2,674,540,000 | 2,835,807,000 | 2,863,584,000 |