Call reports 2011
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2011
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 324,539,000 | 327,300,000 | 326,331,000 | 322,720,000 |
| Total loans | 246,906,000 | 240,439,000 | 234,636,000 | 231,479,000 |
| Allowance for loan losses | 4,848,000 | 4,665,000 | 4,642,000 | 4,678,000 |
| Securities available for sale | 19,279,000 | 19,481,000 | 15,610,000 | 15,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,015,000 | 290,375,000 | 284,773,000 | 283,396,000 |
| Interest-bearing deposits | 254,085,000 | 258,704,000 | 251,236,000 | 250,766,000 |
| Noninterest-bearing deposits | 30,930,000 | 31,671,000 | 33,537,000 | 32,630,000 |
| Equity capital | 22,261,000 | 19,526,000 | 19,334,000 | 17,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,682,000 | 7,221,000 | 10,597,000 | 14,029,000 |
| Interest expense | 784,000 | 1,504,000 | 2,177,000 | 2,832,000 |
| Net interest income | 2,898,000 | 5,717,000 | 8,420,000 | 11,197,000 |
| Noninterest income | 562,000 | 674,000 | 979,000 | 1,283,000 |
| Noninterest expense | 3,410,000 | 7,335,000 | 10,566,000 | 13,523,000 |
| Provision for loan losses | 150,000 | 750,000 | 775,000 | 1,480,000 |
| Pretax income | -100,000 | -1,694,000 | -1,942,000 | -2,523,000 |
| Income tax | -49,000 | 1,154,000 | 1,155,000 | 2,731,000 |
| Net income | -43,000 | -2,821,000 | -3,070,000 | -5,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,092,000 | 18,619,000 | 18,582,000 | 16,945,000 |
| Total capital | 21,882,000 | 21,268,000 | 21,155,000 | 19,451,000 |
| Risk-weighted assets | 220,869,000 | 209,688,000 | 203,558,000 | 198,074,000 |