Call reports 2009
COMMUNITY BANK, INC. — 2009
What COMMUNITY BANK, INC. 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 | 101,317,000 | 93,087,000 | 93,488,000 | 97,721,000 |
| Total loans | 71,110,000 | 69,099,000 | 67,269,000 | 66,196,000 |
| Allowance for loan losses | 1,016,000 | 1,314,000 | 1,320,000 | 1,370,000 |
| Securities available for sale | 11,297,000 | 13,603,000 | 10,613,000 | 8,074,000 |
| Securities held to maturity | 118,000 | 118,000 | 118,000 | 118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,936,000 | 75,468,000 | 78,748,000 | 83,326,000 |
| Interest-bearing deposits | 53,659,000 | 52,805,000 | 53,058,000 | 59,287,000 |
| Noninterest-bearing deposits | 33,277,000 | 22,663,000 | 25,690,000 | 24,039,000 |
| Equity capital | 10,510,000 | 10,097,000 | 10,304,000 | 10,094,000 |
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 | 1,432,000 | 2,992,000 | 4,423,000 | 5,791,000 |
| Interest expense | 341,000 | 656,000 | 947,000 | 1,221,000 |
| Net interest income | 1,091,000 | 2,336,000 | 3,476,000 | 4,570,000 |
| Noninterest income | 174,000 | 375,000 | 598,000 | 792,000 |
| Noninterest expense | 1,157,000 | 2,301,000 | 3,418,000 | 4,525,000 |
| Provision for loan losses | 368,000 | 1,086,000 | 1,155,000 | 1,524,000 |
| Pretax income | -260,000 | -676,000 | -499,000 | -686,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -260,000 | -676,000 | -499,000 | -686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,474,000 | 10,058,000 | 10,236,000 | 10,048,000 |
| Total capital | 11,490,000 | 11,371,000 | 11,211,000 | 11,023,000 |
| Risk-weighted assets | 80,195,000 | 78,290,000 | 77,727,000 | 76,918,000 |