Call reports 2015
COMMUNITY BANK — 2015
What COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,398,000 | 84,322,000 | 82,041,000 | 85,315,000 |
| Total loans | 43,361,000 | 44,575,000 | 44,908,000 | 47,918,000 |
| Allowance for loan losses | 497,000 | 497,000 | 489,000 | 490,000 |
| Securities available for sale | 5,000 | 4,000 | 2,000 | 0 |
| Securities held to maturity | 22,268,000 | 21,342,000 | 25,922,000 | 25,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,903,000 | 77,527,000 | 74,930,000 | 77,591,000 |
| Interest-bearing deposits | 61,213,000 | 58,419,000 | 57,610,000 | 58,745,000 |
| Noninterest-bearing deposits | 17,690,000 | 19,108,000 | 17,320,000 | 18,846,000 |
| Equity capital | 6,411,000 | 6,693,000 | 6,981,000 | 6,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 808,000 | 1,640,000 | 2,504,000 | 3,388,000 |
| Interest expense | 58,000 | 117,000 | 175,000 | 233,000 |
| Net interest income | 750,000 | 1,523,000 | 2,329,000 | 3,155,000 |
| Noninterest income | 253,000 | 546,000 | 829,000 | 1,105,000 |
| Noninterest expense | 635,000 | 1,281,000 | 1,940,000 | 2,600,000 |
| Provision for loan losses | -4,000 | -3,000 | 2,000 | 4,000 |
| Pretax income | 372,000 | 791,000 | 1,216,000 | 1,656,000 |
| Income tax | 122,000 | 259,000 | 397,000 | 535,000 |
| Net income | 250,000 | 532,000 | 819,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,411,000 | 6,693,000 | 6,981,000 | 6,183,000 |
| Total capital | 6,908,000 | 7,190,000 | 7,470,000 | 6,673,000 |
| Risk-weighted assets | 43,619,000 | 44,698,000 | 42,627,000 | 45,881,000 |