Call reports 2007
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2007
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 363,211,000 | 371,931,000 | 373,792,000 | 383,006,000 |
| Total loans | 308,854,000 | 318,375,000 | 318,876,000 | 329,115,000 |
| Allowance for loan losses | 3,504,000 | 3,659,000 | 3,746,000 | 3,838,000 |
| Securities available for sale | 27,920,000 | 28,009,000 | 30,791,000 | 29,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,996,000 | 272,902,000 | 272,250,000 | 268,498,000 |
| Interest-bearing deposits | 241,869,000 | 237,168,000 | 239,512,000 | 235,011,000 |
| Noninterest-bearing deposits | 32,127,000 | 35,734,000 | 32,738,000 | 33,487,000 |
| Equity capital | 26,224,000 | 26,450,000 | 26,899,000 | 27,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,537,000 | 11,260,000 | 17,111,000 | 22,930,000 |
| Interest expense | 2,952,000 | 6,064,000 | 9,282,000 | 12,435,000 |
| Net interest income | 2,585,000 | 5,196,000 | 7,829,000 | 10,495,000 |
| Noninterest income | 664,000 | 1,301,000 | 1,925,000 | 2,606,000 |
| Noninterest expense | 2,602,000 | 5,231,000 | 7,837,000 | 10,595,000 |
| Provision for loan losses | 0 | 174,000 | 270,000 | 366,000 |
| Pretax income | 647,000 | 1,092,000 | 1,647,000 | 2,140,000 |
| Income tax | 211,000 | 335,000 | 507,000 | 651,000 |
| Net income | 436,000 | 757,000 | 1,140,000 | 1,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,586,000 | 25,824,000 | 26,126,000 | 26,392,000 |
| Total capital | 28,702,000 | 29,031,000 | 29,348,000 | 29,729,000 |
| Risk-weighted assets | 248,869,000 | 256,083,000 | 257,208,000 | 266,407,000 |