Call reports 2009
COMMUNITY BANK — 2009
What COMMUNITY BANK 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 | 112,204,000 | 112,759,000 | 121,041,000 | 122,213,000 |
| Total loans | 65,440,000 | 66,179,000 | 68,012,000 | 66,561,000 |
| Allowance for loan losses | 603,000 | 674,000 | 1,074,000 | 1,214,000 |
| Securities available for sale | 37,659,000 | 40,377,000 | 47,697,000 | 46,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,671,000 | 92,759,000 | 93,546,000 | 95,038,000 |
| Interest-bearing deposits | 86,558,000 | 86,250,000 | 87,239,000 | 88,041,000 |
| Noninterest-bearing deposits | 6,113,000 | 6,509,000 | 6,307,000 | 6,997,000 |
| Equity capital | 16,635,000 | 16,696,000 | 17,572,000 | 16,692,000 |
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 | 1,463,000 | 2,932,000 | 4,479,000 | 6,042,000 |
| Interest expense | 683,000 | 1,320,000 | 1,925,000 | 2,510,000 |
| Net interest income | 780,000 | 1,612,000 | 2,554,000 | 3,532,000 |
| Noninterest income | 76,000 | 165,000 | 267,000 | 393,000 |
| Noninterest expense | 487,000 | 989,000 | 1,534,000 | 2,205,000 |
| Provision for loan losses | 15,000 | 90,000 | 490,000 | 1,642,000 |
| Pretax income | 395,000 | 775,000 | 879,000 | 204,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 4,000 |
| Net income | 393,000 | 773,000 | 877,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,729,000 | 15,995,000 | 16,034,000 | 15,356,000 |
| Total capital | 16,332,000 | 16,669,000 | 16,967,000 | 16,333,000 |
| Risk-weighted assets | 74,840,000 | 76,087,000 | 78,762,000 | 77,906,000 |