Call reports 2010
COMMUNITY BANK, INC. — 2010
What COMMUNITY BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 98,423,000 | 98,695,000 | 98,858,000 | 96,065,000 |
| Total loans | 62,666,000 | 61,575,000 | 62,295,000 | 60,386,000 |
| Allowance for loan losses | 1,414,000 | 1,345,000 | 1,418,000 | 1,358,000 |
| Securities available for sale | 12,050,000 | 10,049,000 | 9,324,000 | 8,315,000 |
| Securities held to maturity | 110,000 | 110,000 | 110,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,080,000 | 84,461,000 | 84,392,000 | 83,466,000 |
| Interest-bearing deposits | 60,576,000 | 60,601,000 | 60,990,000 | 58,815,000 |
| Noninterest-bearing deposits | 23,504,000 | 23,860,000 | 23,402,000 | 24,651,000 |
| Equity capital | 10,131,000 | 10,310,000 | 10,384,000 | 9,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,580,000 | 3,826,000 | 5,008,000 |
| Interest expense | 248,000 | 491,000 | 714,000 | 924,000 |
| Net interest income | 1,027,000 | 2,089,000 | 3,112,000 | 4,084,000 |
| Noninterest income | 175,000 | 368,000 | 556,000 | 724,000 |
| Noninterest expense | 1,069,000 | 2,071,000 | 3,101,000 | 4,587,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 1,099,000 |
| Pretax income | 43,000 | 204,000 | 293,000 | -879,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 204,000 | 293,000 | -879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,091,000 | 10,252,000 | 10,341,000 | 9,169,000 |
| Total capital | 10,881,000 | 11,194,000 | 10,504,000 | 10,057,000 |
| Risk-weighted assets | 75,674,000 | 74,890,000 | 73,537,000 | 69,797,000 |