Call reports 2009
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2009
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 409,683,000 | 383,846,000 | 360,225,000 | 349,666,000 |
| Total loans | 332,200,000 | 315,712,000 | 306,063,000 | 286,829,000 |
| Allowance for loan losses | 5,408,000 | 4,972,000 | 5,062,000 | 6,662,000 |
| Securities available for sale | 26,485,000 | 25,535,000 | 27,096,000 | 27,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,734,000 | 319,883,000 | 310,962,000 | 306,635,000 |
| Interest-bearing deposits | 289,036,000 | 287,923,000 | 279,851,000 | 273,737,000 |
| Noninterest-bearing deposits | 31,698,000 | 31,960,000 | 31,111,000 | 32,898,000 |
| Equity capital | 24,753,000 | 24,658,000 | 24,780,000 | 23,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,015,000 | 9,839,000 | 14,442,000 | 18,800,000 |
| Interest expense | 2,183,000 | 4,237,000 | 6,015,000 | 7,509,000 |
| Net interest income | 2,832,000 | 5,602,000 | 8,427,000 | 11,291,000 |
| Noninterest income | 879,000 | 1,566,000 | 2,168,000 | 2,672,000 |
| Noninterest expense | 3,188,000 | 6,317,000 | 9,640,000 | 12,887,000 |
| Provision for loan losses | 700,000 | 1,250,000 | 1,615,000 | 4,063,000 |
| Pretax income | -91,000 | -263,000 | -508,000 | -2,835,000 |
| Income tax | 2,000 | -103,000 | -200,000 | -1,004,000 |
| Net income | -100,000 | -156,000 | -304,000 | -1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,080,000 | 24,023,000 | 23,358,000 | 23,073,000 |
| Total capital | 27,670,000 | 27,467,000 | 26,709,000 | 26,327,000 |
| Risk-weighted assets | 285,299,000 | 273,951,000 | 266,115,000 | 256,713,000 |