Call reports 2012
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2012
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 326,357,000 | 324,247,000 | 317,445,000 |
| Total loans | 227,029,000 | 231,302,000 | 228,105,000 |
| Allowance for loan losses | 4,556,000 | 4,506,000 | 3,639,000 |
| Securities available for sale | 10,367,000 | 9,163,000 | 9,039,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 281,292,000 | 279,974,000 | 273,819,000 |
| Interest-bearing deposits | 251,394,000 | 249,665,000 | 243,111,000 |
| Noninterest-bearing deposits | 29,898,000 | 30,309,000 | 30,708,000 |
| Equity capital | 16,885,000 | 16,088,000 | 15,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 3,063,000 | 6,052,000 | 8,889,000 |
| Interest expense | 637,000 | 1,250,000 | 1,869,000 |
| Net interest income | 2,426,000 | 4,802,000 | 7,020,000 |
| Noninterest income | 413,000 | 631,000 | 737,000 |
| Noninterest expense | 3,094,000 | 6,158,000 | 9,082,000 |
| Provision for loan losses | 0 | 325,000 | 85,000 |
| Pretax income | -255,000 | -1,050,000 | -1,410,000 |
| Income tax | 1,000 | 2,000 | 3,000 |
| Net income | -256,000 | -1,052,000 | -1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 16,688,000 | 15,892,000 | 15,532,000 |
| Total capital | 19,153,000 | 18,352,000 | 17,932,000 |
| Risk-weighted assets | 194,926,000 | 194,571,000 | 190,706,000 |