Call reports 2009
COMMUNITY BANK — 2009
What COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 64,423,000 | 63,018,000 | 61,744,000 | 64,425,000 |
| Total loans | 43,148,000 | 45,283,000 | 46,623,000 | 46,386,000 |
| Allowance for loan losses | 412,000 | 421,000 | 399,000 | 458,000 |
| Securities available for sale | 41,000 | 41,000 | 1,067,000 | 1,075,000 |
| Securities held to maturity | 7,013,000 | 5,232,000 | 5,480,000 | 6,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,481,000 | 57,836,000 | 56,809,000 | 59,875,000 |
| Interest-bearing deposits | 49,676,000 | 47,925,000 | 47,140,000 | 49,517,000 |
| Noninterest-bearing deposits | 9,804,000 | 9,911,000 | 9,669,000 | 10,359,000 |
| Equity capital | 4,598,000 | 4,890,000 | 4,635,000 | 4,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,907,000 | 2,871,000 | 3,836,000 |
| Interest expense | 212,000 | 416,000 | 608,000 | 800,000 |
| Net interest income | 730,000 | 1,491,000 | 2,263,000 | 3,036,000 |
| Noninterest income | 243,000 | 529,000 | 789,000 | 1,062,000 |
| Noninterest expense | 551,000 | 1,157,000 | 1,793,000 | 2,413,000 |
| Provision for loan losses | 7,000 | 11,000 | 35,000 | 84,000 |
| Pretax income | 415,000 | 852,000 | 1,224,000 | 1,601,000 |
| Income tax | 136,000 | 281,000 | 408,000 | 531,000 |
| Net income | 279,000 | 571,000 | 816,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,596,000 | 4,888,000 | 4,633,000 | 4,337,000 |
| Total capital | 5,008,000 | 5,309,000 | 5,032,000 | 4,795,000 |
| Risk-weighted assets | 37,341,000 | 42,422,000 | 40,501,000 | 40,807,000 |