Call reports 2006
COMMUNITY BANK — 2006
What COMMUNITY BANK 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 | 63,021,000 | 64,053,000 | 60,373,000 | 63,138,000 |
| Total loans | 37,022,000 | 36,772,000 | 39,494,000 | 40,718,000 |
| Allowance for loan losses | 395,000 | 394,000 | 393,000 | 386,000 |
| Securities available for sale | 99,000 | 94,000 | 91,000 | 88,000 |
| Securities held to maturity | 1,318,000 | 2,779,000 | 2,215,000 | 2,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,479,000 | 59,410,000 | 55,672,000 | 58,765,000 |
| Interest-bearing deposits | 49,368,000 | 49,290,000 | 45,620,000 | 49,790,000 |
| Noninterest-bearing deposits | 9,111,000 | 10,120,000 | 10,052,000 | 8,975,000 |
| Equity capital | 4,109,000 | 4,377,000 | 4,382,000 | 4,105,000 |
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 | 986,000 | 2,007,000 | 3,089,000 | 4,200,000 |
| Interest expense | 275,000 | 590,000 | 955,000 | 1,341,000 |
| Net interest income | 711,000 | 1,417,000 | 2,134,000 | 2,859,000 |
| Noninterest income | 253,000 | 497,000 | 722,000 | 948,000 |
| Noninterest expense | 509,000 | 1,034,000 | 1,572,000 | 2,099,000 |
| Provision for loan losses | 12,000 | 15,000 | 22,000 | 23,000 |
| Pretax income | 443,000 | 865,000 | 1,262,000 | 1,685,000 |
| Income tax | 147,000 | 300,000 | 442,000 | 592,000 |
| Net income | 296,000 | 565,000 | 820,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,108,000 | 4,376,000 | 4,381,000 | 4,104,000 |
| Total capital | 4,503,000 | 4,770,000 | 4,774,000 | 4,490,000 |
| Risk-weighted assets | 37,878,000 | 39,287,000 | 39,828,000 | 41,421,000 |