Call reports 2014
COMMUNITY BANK — 2014
What COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 80,283,000 | 81,607,000 | 83,574,000 | 83,572,000 |
| Total loans | 44,807,000 | 45,178,000 | 44,906,000 | 42,722,000 |
| Allowance for loan losses | 479,000 | 491,000 | 497,000 | 499,000 |
| Securities available for sale | 12,000 | 10,000 | 9,000 | 7,000 |
| Securities held to maturity | 19,986,000 | 20,522,000 | 19,594,000 | 20,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,150,000 | 75,270,000 | 76,930,000 | 77,368,000 |
| Interest-bearing deposits | 57,842,000 | 57,963,000 | 61,595,000 | 59,977,000 |
| Noninterest-bearing deposits | 16,308,000 | 17,307,000 | 15,335,000 | 17,392,000 |
| Equity capital | 5,926,000 | 6,209,000 | 6,494,000 | 6,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,652,000 | 2,497,000 | 3,302,000 |
| Interest expense | 64,000 | 125,000 | 186,000 | 246,000 |
| Net interest income | 762,000 | 1,527,000 | 2,311,000 | 3,056,000 |
| Noninterest income | 239,000 | 528,000 | 813,000 | 1,090,000 |
| Noninterest expense | 664,000 | 1,287,000 | 1,920,000 | 2,539,000 |
| Provision for loan losses | 1,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 336,000 | 758,000 | 1,189,000 | 1,587,000 |
| Income tax | 114,000 | 253,000 | 399,000 | 530,000 |
| Net income | 222,000 | 505,000 | 790,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,926,000 | 6,209,000 | 6,494,000 | 6,161,000 |
| Total capital | 6,405,000 | 6,700,000 | 6,991,000 | 6,660,000 |
| Risk-weighted assets | 43,693,000 | 45,289,000 | 45,102,000 | 43,762,000 |