Call reports 2009
COMMUNITY BANK, NATIONAL ASSOCIATION — 2009
What COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,148,000 | 55,687,000 | 61,859,000 | 66,397,000 |
| Total loans | 32,121,000 | 36,176,000 | 45,293,000 | 49,179,000 |
| Allowance for loan losses | 322,000 | 430,000 | 461,000 | 532,000 |
| Securities available for sale | 7,081,000 | 9,119,000 | 5,587,000 | 9,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,752,000 | 49,970,000 | 53,281,000 | 57,940,000 |
| Interest-bearing deposits | 44,814,000 | 49,059,000 | 52,127,000 | 56,039,000 |
| Noninterest-bearing deposits | 938,000 | 911,000 | 1,154,000 | 1,901,000 |
| Equity capital | 5,157,000 | 5,516,000 | 8,326,000 | 8,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,187,000 | 1,900,000 | 2,684,000 |
| Interest expense | 326,000 | 709,000 | 1,092,000 | 1,479,000 |
| Net interest income | 229,000 | 478,000 | 808,000 | 1,205,000 |
| Noninterest income | 12,000 | 31,000 | 55,000 | 76,000 |
| Noninterest expense | 573,000 | 1,130,000 | 1,764,000 | 2,359,000 |
| Provision for loan losses | 15,000 | 123,000 | 153,000 | 223,000 |
| Pretax income | -347,000 | -744,000 | -1,038,000 | -1,285,000 |
| Income tax | -130,000 | -276,000 | -383,000 | -474,000 |
| Net income | -217,000 | -468,000 | -655,000 | -811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,111,000 | 5,443,000 | 8,266,000 | 8,119,000 |
| Total capital | 5,433,000 | 5,873,000 | 8,727,000 | 8,651,000 |
| Risk-weighted assets | 35,136,000 | 37,503,000 | 46,254,000 | 50,404,000 |