Call reports 2013
COMMUNITY BANK, INC. — 2013
What COMMUNITY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 180,555,000 | 177,627,000 | 182,843,000 | 183,907,000 |
| Total loans | 93,022,000 | 100,701,000 | 98,456,000 | 97,004,000 |
| Allowance for loan losses | 2,129,000 | 2,086,000 | 2,028,000 | 1,895,000 |
| Securities available for sale | 37,592,000 | 36,231,000 | 37,295,000 | 45,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,497,000 | 150,524,000 | 155,431,000 | 156,878,000 |
| Interest-bearing deposits | 110,921,000 | 112,010,000 | 113,607,000 | 117,923,000 |
| Noninterest-bearing deposits | 42,576,000 | 38,514,000 | 41,824,000 | 38,955,000 |
| Equity capital | 19,554,000 | 19,855,000 | 20,049,000 | 20,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,555,000 | 5,358,000 | 7,127,000 |
| Interest expense | 206,000 | 401,000 | 586,000 | 755,000 |
| Net interest income | 1,526,000 | 3,154,000 | 4,772,000 | 6,372,000 |
| Noninterest income | 316,000 | 1,368,000 | 1,693,000 | 2,148,000 |
| Noninterest expense | 1,665,000 | 3,320,000 | 5,028,000 | 6,774,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 177,000 | 1,217,000 | 1,452,000 | 1,761,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 177,000 | 1,217,000 | 1,452,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,435,000 | 20,360,000 | 20,510,000 | 20,659,000 |
| Total capital | 20,778,000 | 21,762,000 | 21,905,000 | 22,047,000 |
| Risk-weighted assets | 106,619,000 | 112,772,000 | 110,961,000 | 110,543,000 |