Call reports 2007
COMMUNITY BANK, THE — 2007
What COMMUNITY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 498,961,000 | 520,615,000 | 566,313,000 | 601,715,000 |
| Total loans | 431,737,000 | 438,473,000 | 482,290,000 | 491,161,000 |
| Allowance for loan losses | 6,519,000 | 6,876,000 | 7,218,000 | 10,758,000 |
| Securities available for sale | 43,728,000 | 46,713,000 | 50,917,000 | 51,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,432,000 | 458,534,000 | 491,720,000 | 539,246,000 |
| Interest-bearing deposits | 406,105,000 | 427,795,000 | 464,516,000 | 513,896,000 |
| Noninterest-bearing deposits | 32,327,000 | 30,740,000 | 27,204,000 | 25,350,000 |
| Equity capital | 49,564,000 | 51,301,000 | 53,760,000 | 48,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,575,000 | 22,022,000 | 33,779,000 | 41,662,000 |
| Interest expense | 4,922,000 | 10,241,000 | 16,120,000 | 22,472,000 |
| Net interest income | 5,653,000 | 11,781,000 | 17,659,000 | 19,190,000 |
| Noninterest income | 559,000 | 936,000 | 1,399,000 | 1,833,000 |
| Noninterest expense | 2,485,000 | 5,000,000 | 7,417,000 | 10,008,000 |
| Provision for loan losses | 360,000 | 720,000 | 1,080,000 | 5,136,000 |
| Pretax income | 3,367,000 | 6,997,000 | 10,561,000 | 5,879,000 |
| Income tax | 1,148,000 | 2,393,000 | 3,609,000 | 2,917,000 |
| Net income | 2,219,000 | 4,604,000 | 6,952,000 | 2,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,789,000 | 51,974,000 | 53,717,000 | 48,458,000 |
| Total capital | 55,625,000 | 58,070,000 | 60,407,000 | 55,248,000 |
| Risk-weighted assets | 466,225,000 | 486,932,000 | 534,818,000 | 541,711,000 |