Call reports 2008
COMMUNITY BANK — 2008
What COMMUNITY BANK 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 | 233,443,000 | 231,809,000 | 223,874,000 | 236,030,000 |
| Total loans | 198,405,000 | 201,379,000 | 199,946,000 | 194,500,000 |
| Allowance for loan losses | 2,087,000 | 2,154,000 | 1,915,000 | 1,682,000 |
| Securities available for sale | 2,561,000 | 2,517,000 | 2,519,000 | 4,556,000 |
| Securities held to maturity | 1,369,000 | 1,367,000 | 1,366,000 | 1,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,815,000 | 200,541,000 | 191,404,000 | 204,729,000 |
| Interest-bearing deposits | 157,676,000 | 152,267,000 | 147,392,000 | 157,230,000 |
| Noninterest-bearing deposits | 44,139,000 | 48,274,000 | 44,012,000 | 47,499,000 |
| Equity capital | 30,168,000 | 30,104,000 | 30,254,000 | 29,515,000 |
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 | 3,647,000 | 7,009,000 | 10,310,000 | 13,335,000 |
| Interest expense | 1,434,000 | 2,484,000 | 3,457,000 | 4,394,000 |
| Net interest income | 2,213,000 | 4,525,000 | 6,853,000 | 8,941,000 |
| Noninterest income | 302,000 | 625,000 | 934,000 | 1,222,000 |
| Noninterest expense | 1,573,000 | 3,064,000 | 4,638,000 | 6,236,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 280,000 |
| Pretax income | 927,000 | 2,056,000 | 3,089,000 | 3,647,000 |
| Income tax | 369,000 | 815,000 | 1,219,000 | 2,059,000 |
| Net income | 558,000 | 1,241,000 | 1,870,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,125,000 | 30,088,000 | 30,237,000 | 29,475,000 |
| Total capital | 32,212,000 | 32,242,000 | 32,152,000 | 31,157,000 |
| Risk-weighted assets | 208,273,000 | 209,759,000 | 207,936,000 | 206,703,000 |