Call reports 2006
COMMUNITY BANK, NATIONAL ASSOCIATION — 2006
What COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,395,000 | 81,418,000 | 79,870,000 | 82,186,000 |
| Total loans | 49,423,000 | 49,629,000 | 49,361,000 | 51,920,000 |
| Allowance for loan losses | 1,250,000 | 1,382,000 | 1,375,000 | 1,421,000 |
| Securities available for sale | 24,572,000 | 22,092,000 | 21,376,000 | 20,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,625,000 | 72,636,000 | 70,304,000 | 73,305,000 |
| Interest-bearing deposits | 59,213,000 | 58,247,000 | 57,096,000 | 59,191,000 |
| Noninterest-bearing deposits | 15,412,000 | 14,389,000 | 13,208,000 | 14,114,000 |
| Equity capital | 7,396,000 | 7,536,000 | 7,912,000 | 8,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,423,000 | 3,682,000 | 4,981,000 |
| Interest expense | 390,000 | 791,000 | 1,206,000 | 1,700,000 |
| Net interest income | 818,000 | 1,632,000 | 2,476,000 | 3,281,000 |
| Noninterest income | 205,000 | 422,000 | 655,000 | 895,000 |
| Noninterest expense | 695,000 | 1,436,000 | 2,181,000 | 2,830,000 |
| Provision for loan losses | 40,000 | 65,000 | 65,000 | 141,000 |
| Pretax income | 288,000 | 553,000 | 883,000 | 1,203,000 |
| Income tax | 79,000 | 139,000 | 219,000 | 300,000 |
| Net income | 209,000 | 414,000 | 664,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,640,000 | 7,845,000 | 8,095,000 | 8,334,000 |
| Total capital | 8,308,000 | 8,527,000 | 8,768,000 | 9,035,000 |
| Risk-weighted assets | 52,893,000 | 53,844,000 | 53,120,000 | 55,356,000 |