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 | 88,349,000 | 88,941,000 | 90,903,000 | 91,284,000 |
| Total loans | 72,275,000 | 74,196,000 | 74,665,000 | 72,641,000 |
| Allowance for loan losses | 812,000 | 839,000 | 889,000 | 944,000 |
| Securities available for sale | 7,646,000 | 6,642,000 | 8,057,000 | 8,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,829,000 | 70,451,000 | 71,536,000 | 73,983,000 |
| Interest-bearing deposits | 61,629,000 | 57,702,000 | 58,562,000 | 60,635,000 |
| Noninterest-bearing deposits | 12,200,000 | 12,749,000 | 12,974,000 | 13,348,000 |
| Equity capital | 7,198,000 | 7,075,000 | 7,174,000 | 7,254,000 |
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 | 1,448,000 | 2,796,000 | 4,105,000 | 5,388,000 |
| Interest expense | 613,000 | 1,121,000 | 1,597,000 | 2,026,000 |
| Net interest income | 835,000 | 1,675,000 | 2,508,000 | 3,362,000 |
| Noninterest income | 113,000 | 231,000 | 381,000 | 514,000 |
| Noninterest expense | 733,000 | 1,472,000 | 2,239,000 | 2,938,000 |
| Provision for loan losses | 1,000 | 288,000 | 356,000 | 773,000 |
| Pretax income | 214,000 | 151,000 | 299,000 | 170,000 |
| Income tax | 71,000 | 44,000 | 95,000 | 32,000 |
| Net income | 143,000 | 107,000 | 204,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,019,000 | 6,984,000 | 7,080,000 | 7,014,000 |
| Total capital | 7,879,000 | 7,871,000 | 8,003,000 | 7,924,000 |
| Risk-weighted assets | 71,662,000 | 71,751,000 | 73,830,000 | 72,679,000 |