Call reports 2006
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2006
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE 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 | 316,912,000 | 337,846,000 | 339,737,000 | 351,931,000 |
| Total loans | 264,968,000 | 281,722,000 | 285,474,000 | 297,970,000 |
| Allowance for loan losses | 3,095,000 | 3,270,000 | 3,397,000 | 3,517,000 |
| Securities available for sale | 28,848,000 | 29,883,000 | 30,398,000 | 26,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,724,000 | 256,509,000 | 263,838,000 | 259,088,000 |
| Interest-bearing deposits | 197,073,000 | 218,649,000 | 225,876,000 | 221,263,000 |
| Noninterest-bearing deposits | 35,651,000 | 37,860,000 | 37,962,000 | 37,825,000 |
| Equity capital | 24,694,000 | 25,058,000 | 25,525,000 | 25,808,000 |
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 | 4,555,000 | 9,393,000 | 14,494,000 | 19,763,000 |
| Interest expense | 1,919,000 | 4,182,000 | 6,766,000 | 9,508,000 |
| Net interest income | 2,636,000 | 5,211,000 | 7,728,000 | 10,255,000 |
| Noninterest income | 513,000 | 1,097,000 | 1,795,000 | 2,367,000 |
| Noninterest expense | 2,444,000 | 4,742,000 | 7,277,000 | 9,772,000 |
| Provision for loan losses | 130,000 | 305,000 | 433,000 | 560,000 |
| Pretax income | 575,000 | 1,261,000 | 1,813,000 | 2,290,000 |
| Income tax | 185,000 | 415,000 | 588,000 | 730,000 |
| Net income | 390,000 | 846,000 | 1,225,000 | 1,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,309,000 | 24,682,000 | 24,979,000 | 25,233,000 |
| Total capital | 27,030,000 | 27,568,000 | 27,877,000 | 28,225,000 |
| Risk-weighted assets | 217,273,000 | 230,485,000 | 231,293,000 | 238,838,000 |