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 |
|---|---|---|---|
| Total assets | 90,528,000 | 91,494,000 | 97,870,000 |
| Total loans | 60,278,000 | 60,970,000 | 58,249,000 |
| Allowance for loan losses | 799,000 | 826,000 | 903,000 |
| Securities available for sale | 17,218,000 | 20,139,000 | 18,953,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 80,879,000 | 82,037,000 | 83,825,000 |
| Interest-bearing deposits | 71,869,000 | 72,240,000 | 75,458,000 |
| Noninterest-bearing deposits | 9,010,000 | 9,797,000 | 8,367,000 |
| Equity capital | 9,268,000 | 9,241,000 | 13,043,000 |
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 |
|---|---|---|---|
| Interest income | 1,358,000 | 2,707,000 | 406,000 |
| Interest expense | 643,000 | 1,225,000 | 169,000 |
| Net interest income | 715,000 | 1,482,000 | 237,000 |
| Noninterest income | 100,000 | 194,000 | 32,000 |
| Noninterest expense | 475,000 | 1,032,000 | 190,000 |
| Provision for loan losses | 0 | 25,000 | 0 |
| Pretax income | 340,000 | 619,000 | 79,000 |
| Income tax | 96,000 | 193,000 | 24,000 |
| Net income | 244,000 | 426,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 9,165,000 | 9,337,000 | 7,803,000 |
| Total capital | 9,892,000 | 10,066,000 | 8,512,000 |
| Risk-weighted assets | 58,089,000 | 58,199,000 | 56,543,000 |