Call reports 2006
COMMUNITY BANK & TRUST COMPANY — 2006
What COMMUNITY BANK & TRUST COMPANY 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 | 168,790,000 | 170,503,000 | 163,849,000 | 158,184,000 |
| Total loans | 120,767,000 | 112,289,000 | 102,070,000 | 92,675,000 |
| Allowance for loan losses | 2,394,000 | 2,362,000 | 2,223,000 | 1,768,000 |
| Securities available for sale | 17,170,000 | 24,584,000 | 25,877,000 | 31,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,503,000 | 136,239,000 | 130,032,000 | 125,185,000 |
| Interest-bearing deposits | 91,082,000 | 93,165,000 | 88,664,000 | 85,444,000 |
| Noninterest-bearing deposits | 45,421,000 | 43,074,000 | 41,368,000 | 39,741,000 |
| Equity capital | 28,213,000 | 28,533,000 | 29,085,000 | 29,401,000 |
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 | 2,547,000 | 5,233,000 | 8,006,000 | 10,602,000 |
| Interest expense | 811,000 | 1,694,000 | 2,691,000 | 3,611,000 |
| Net interest income | 1,736,000 | 3,539,000 | 5,315,000 | 6,991,000 |
| Noninterest income | 317,000 | 598,000 | 914,000 | 1,173,000 |
| Noninterest expense | 1,357,000 | 2,658,000 | 4,071,000 | 5,429,000 |
| Provision for loan losses | 1,053,000 | 1,184,000 | 1,269,000 | 1,344,000 |
| Pretax income | -357,000 | 295,000 | 889,000 | 1,391,000 |
| Income tax | -139,000 | 113,000 | 339,000 | 532,000 |
| Net income | -218,000 | 182,000 | 550,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,284,000 | 12,729,000 | 13,142,000 | 13,495,000 |
| Total capital | 13,866,000 | 14,351,000 | 14,622,000 | 14,883,000 |
| Risk-weighted assets | 125,846,000 | 128,978,000 | 117,621,000 | 110,637,000 |