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 | 63,912,000 | 65,195,000 | 62,814,000 | 62,806,000 |
| Total loans | 42,071,000 | 41,775,000 | 41,488,000 | 42,509,000 |
| Allowance for loan losses | 386,000 | 391,000 | 405,000 | 400,000 |
| Securities available for sale | 68,000 | 44,000 | 43,000 | 42,000 |
| Securities held to maturity | 5,804,000 | 6,524,000 | 7,261,000 | 7,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,353,000 | 60,027,000 | 57,890,000 | 58,236,000 |
| Interest-bearing deposits | 48,417,000 | 49,367,000 | 47,262,000 | 47,627,000 |
| Noninterest-bearing deposits | 9,936,000 | 10,660,000 | 10,628,000 | 10,609,000 |
| Equity capital | 4,565,000 | 4,887,000 | 4,614,000 | 4,318,000 |
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 | 1,099,000 | 2,168,000 | 3,173,000 | 4,166,000 |
| Interest expense | 376,000 | 685,000 | 957,000 | 1,210,000 |
| Net interest income | 723,000 | 1,483,000 | 2,216,000 | 2,956,000 |
| Noninterest income | 252,000 | 553,000 | 834,000 | 1,098,000 |
| Noninterest expense | 531,000 | 1,094,000 | 1,676,000 | 2,222,000 |
| Provision for loan losses | 1,000 | 7,000 | 26,000 | 32,000 |
| Pretax income | 443,000 | 935,000 | 1,348,000 | 1,800,000 |
| Income tax | 149,000 | 318,000 | 454,000 | 602,000 |
| Net income | 294,000 | 617,000 | 894,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,563,000 | 4,886,000 | 4,613,000 | 4,317,000 |
| Total capital | 4,949,000 | 5,277,000 | 5,018,000 | 4,717,000 |
| Risk-weighted assets | 35,704,000 | 37,112,000 | 36,172,000 | 38,880,000 |