Call reports 2008
COMMUNITY BANK, NATIONAL ASSOCIATION — 2008
What COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 31,351,000 | 40,505,000 | 42,739,000 | 41,478,000 |
| Total loans | 10,217,000 | 17,622,000 | 26,428,000 | 29,578,000 |
| Allowance for loan losses | 139,000 | 181,000 | 244,000 | 307,000 |
| Securities available for sale | 96,000 | 97,000 | 5,604,000 | 4,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,437,000 | 34,768,000 | 36,868,000 | 35,984,000 |
| Interest-bearing deposits | 24,883,000 | 32,384,000 | 34,586,000 | 34,589,000 |
| Noninterest-bearing deposits | 554,000 | 2,384,000 | 2,282,000 | 1,395,000 |
| Equity capital | 5,745,000 | 5,508,000 | 5,568,000 | 5,377,000 |
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 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 252,000 | 634,000 | 1,104,000 | 1,624,000 |
| Interest expense | 169,000 | 501,000 | 801,000 | 1,127,000 |
| Net interest income | 83,000 | 133,000 | 303,000 | 497,000 |
| Noninterest income | 2,000 | 7,000 | 11,000 | 22,000 |
| Noninterest expense | 420,000 | 807,000 | 1,282,000 | 1,875,000 |
| Provision for loan losses | 50,000 | 92,000 | 154,000 | 233,000 |
| Pretax income | -385,000 | -759,000 | -1,122,000 | -1,560,000 |
| Income tax | -136,000 | -273,000 | -415,000 | -578,000 |
| Net income | -249,000 | -486,000 | -707,000 | -982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,745,000 | 5,508,000 | 5,567,000 | 5,318,000 |
| Total capital | 5,884,000 | 5,689,000 | 5,811,000 | 5,625,000 |
| Risk-weighted assets | 15,152,000 | 21,693,000 | 31,857,000 | 31,876,000 |