Call reports 2007
COMMUNITY BANK, NATIONAL ASSOCIATION — 2007
What COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 84,179,000 | 83,223,000 | 82,546,000 | 8,691,000 |
| Total loans | 50,467,000 | 49,405,000 | 48,507,000 | 4,966,000 |
| Allowance for loan losses | 1,411,000 | 1,396,000 | 1,414,000 | 89,000 |
| Securities available for sale | 18,328,000 | 18,824,000 | 17,577,000 | 95,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,984,000 | 74,032,000 | 72,808,000 | 2,675,000 |
| Interest-bearing deposits | 60,181,000 | 58,925,000 | 58,988,000 | 2,318,000 |
| Noninterest-bearing deposits | 14,803,000 | 15,107,000 | 13,821,000 | 357,000 |
| Equity capital | 8,450,000 | 8,392,000 | 8,751,000 | 5,994,000 |
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 | 1,303,000 | 2,630,000 | 3,980,000 | 4,994,000 |
| Interest expense | 509,000 | 1,012,000 | 1,520,000 | 1,880,000 |
| Net interest income | 794,000 | 1,618,000 | 2,460,000 | 3,114,000 |
| Noninterest income | 246,000 | 485,000 | 714,000 | 911,000 |
| Noninterest expense | 764,000 | 1,447,000 | 2,141,000 | 2,778,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | -496,000 |
| Pretax income | 272,000 | 652,000 | 1,029,000 | 1,743,000 |
| Income tax | 63,000 | 166,000 | 267,000 | 489,000 |
| Net income | 209,000 | 486,000 | 762,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,543,000 | 8,519,000 | 8,796,000 | 5,994,000 |
| Total capital | 9,235,000 | 9,206,000 | 9,475,000 | 6,073,000 |
| Risk-weighted assets | 54,674,000 | 54,282,000 | 53,574,000 | 6,292,000 |