Call reports 2008
COMMUNITY BANK, THE — 2008
What COMMUNITY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 623,764,000 | 628,056,000 | 634,901,000 |
| Total loans | 510,014,000 | 518,609,000 | 505,755,000 |
| Allowance for loan losses | 10,800,000 | 24,053,000 | 46,052,000 |
| Securities available for sale | 51,775,000 | 50,524,000 | 46,180,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 563,098,000 | 577,219,000 | 603,733,000 |
| Interest-bearing deposits | 538,121,000 | 552,439,000 | 583,723,000 |
| Noninterest-bearing deposits | 24,977,000 | 24,780,000 | 20,010,000 |
| Equity capital | 48,504,000 | 40,768,000 | 22,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 8,654,000 | 16,284,000 | 20,581,000 |
| Interest expense | 6,108,000 | 11,987,000 | 17,791,000 |
| Net interest income | 2,546,000 | 4,297,000 | 2,790,000 |
| Noninterest income | -107,000 | -37,000 | -420,000 |
| Noninterest expense | 2,080,000 | 4,518,000 | 7,301,000 |
| Provision for loan losses | 360,000 | 13,860,000 | 38,638,000 |
| Pretax income | -1,000 | -14,118,000 | -43,569,000 |
| Income tax | -127,000 | -5,583,000 | -16,812,000 |
| Net income | 126,000 | -8,535,000 | -26,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 48,384,000 | 40,899,000 | 22,678,000 |
| Total capital | 55,574,000 | 48,152,000 | 30,138,000 |
| Risk-weighted assets | 571,560,000 | 567,942,000 | 559,017,000 |