Call reports 2008
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2008
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE 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 | 391,973,000 | 393,441,000 | 398,644,000 | 404,366,000 |
| Total loans | 324,335,000 | 339,602,000 | 342,640,000 | 349,842,000 |
| Allowance for loan losses | 3,977,000 | 4,689,000 | 4,776,000 | 6,623,000 |
| Securities available for sale | 26,439,000 | 27,608,000 | 29,865,000 | 26,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,525,000 | 293,575,000 | 298,309,000 | 299,281,000 |
| Interest-bearing deposits | 252,565,000 | 261,445,000 | 265,175,000 | 268,968,000 |
| Noninterest-bearing deposits | 30,960,000 | 32,130,000 | 33,134,000 | 30,313,000 |
| Equity capital | 27,570,000 | 27,014,000 | 27,015,000 | 26,728,000 |
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 | 5,741,000 | 11,221,000 | 16,910,000 | 22,599,000 |
| Interest expense | 2,974,000 | 5,661,000 | 8,279,000 | 10,676,000 |
| Net interest income | 2,767,000 | 5,560,000 | 8,631,000 | 11,923,000 |
| Noninterest income | 738,000 | 1,361,000 | 1,953,000 | 2,536,000 |
| Noninterest expense | 2,877,000 | 5,904,000 | 9,031,000 | 11,918,000 |
| Provision for loan losses | 189,000 | 901,000 | 1,314,000 | 3,214,000 |
| Pretax income | 439,000 | 116,000 | 239,000 | -673,000 |
| Income tax | 116,000 | -106,000 | -65,000 | -498,000 |
| Net income | 323,000 | 222,000 | 304,000 | -175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,642,000 | 26,459,000 | 26,460,000 | 25,889,000 |
| Total capital | 30,005,000 | 29,943,000 | 29,994,000 | 29,564,000 |
| Risk-weighted assets | 268,353,000 | 277,463,000 | 281,409,000 | 291,011,000 |