Call reports 2006
COMMUNITY BANK — 2006
What COMMUNITY BANK 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 | 84,288,000 | 85,105,000 | 84,623,000 | 83,709,000 |
| Total loans | 70,903,000 | 71,469,000 | 66,842,000 | 65,917,000 |
| Allowance for loan losses | 742,000 | 730,000 | 728,000 | 842,000 |
| Securities available for sale | 6,035,000 | 6,446,000 | 7,031,000 | 9,221,000 |
| Securities held to maturity | 500,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,031,000 | 68,918,000 | 71,189,000 | 73,183,000 |
| Interest-bearing deposits | 57,854,000 | 57,413,000 | 60,107,000 | 60,024,000 |
| Noninterest-bearing deposits | 11,177,000 | 11,505,000 | 11,082,000 | 13,159,000 |
| Equity capital | 6,226,000 | 6,413,000 | 6,626,000 | 6,717,000 |
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 | 1,403,000 | 2,879,000 | 4,400,000 | 5,957,000 |
| Interest expense | 543,000 | 1,122,000 | 1,762,000 | 2,433,000 |
| Net interest income | 860,000 | 1,757,000 | 2,638,000 | 3,524,000 |
| Noninterest income | 124,000 | 241,000 | 367,000 | 490,000 |
| Noninterest expense | 677,000 | 1,369,000 | 2,069,000 | 2,809,000 |
| Provision for loan losses | 25,000 | 34,000 | 34,000 | 152,000 |
| Pretax income | 282,000 | 595,000 | 902,000 | 1,053,000 |
| Income tax | 83,000 | 201,000 | 315,000 | 372,000 |
| Net income | 199,000 | 394,000 | 587,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,239,000 | 6,434,000 | 6,626,000 | 6,721,000 |
| Total capital | 6,981,000 | 7,164,000 | 7,354,000 | 7,536,000 |
| Risk-weighted assets | 66,848,000 | 68,534,000 | 65,138,000 | 65,140,000 |