Call reports 2008
COMMUNITY BANK — 2008
What COMMUNITY BANK 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 | 176,496,000 | 179,218,000 | 178,924,000 | 185,781,000 |
| Total loans | 121,178,000 | 127,894,000 | 125,433,000 | 134,160,000 |
| Allowance for loan losses | 1,467,000 | 1,523,000 | 1,445,000 | 1,470,000 |
| Securities available for sale | 39,568,000 | 35,105,000 | 32,557,000 | 30,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,948,000 | 136,841,000 | 141,546,000 | 146,569,000 |
| Interest-bearing deposits | 120,683,000 | 120,612,000 | 122,235,000 | 126,445,000 |
| Noninterest-bearing deposits | 15,265,000 | 16,229,000 | 19,311,000 | 20,123,000 |
| Equity capital | 18,794,000 | 18,530,000 | 18,992,000 | 19,572,000 |
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 | 2,635,000 | 5,228,000 | 7,848,000 | 10,388,000 |
| Interest expense | 874,000 | 1,667,000 | 2,418,000 | 3,037,000 |
| Net interest income | 1,761,000 | 3,561,000 | 5,430,000 | 7,351,000 |
| Noninterest income | 255,000 | 513,000 | 759,000 | 973,000 |
| Noninterest expense | 1,508,000 | 3,023,000 | 4,422,000 | 5,861,000 |
| Provision for loan losses | 23,000 | 75,000 | 113,000 | 145,000 |
| Pretax income | 485,000 | 976,000 | 1,654,000 | 2,318,000 |
| Income tax | 165,000 | 332,000 | 563,000 | 788,000 |
| Net income | 320,000 | 644,000 | 1,091,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,014,000 | 12,188,000 | 12,635,000 | 14,268,000 |
| Total capital | 13,481,000 | 13,711,000 | 14,080,000 | 15,738,000 |
| Risk-weighted assets | 132,319,000 | 137,029,000 | 132,572,000 | 136,478,000 |