Call reports 2006
COMMUNITY BANK CORPORATION — 2006
What COMMUNITY BANK CORPORATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 120,540,000 | 123,064,000 | 132,889,000 | 134,818,000 |
| Total loans | 90,517,000 | 94,140,000 | 96,516,000 | 96,690,000 |
| Allowance for loan losses | 1,008,000 | 1,009,000 | 1,050,000 | 1,048,000 |
| Securities available for sale | 17,800,000 | 17,002,000 | 16,599,000 | 19,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,287,000 | 98,860,000 | 112,570,000 | 115,755,000 |
| Interest-bearing deposits | 86,889,000 | 83,074,000 | 91,322,000 | 96,299,000 |
| Noninterest-bearing deposits | 15,397,000 | 15,786,000 | 21,248,000 | 19,455,000 |
| Equity capital | 11,743,000 | 12,077,000 | 12,562,000 | 13,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,025,000 | 4,160,000 | 6,405,000 | 8,800,000 |
| Interest expense | 717,000 | 1,487,000 | 2,344,000 | 3,370,000 |
| Net interest income | 1,308,000 | 2,673,000 | 4,061,000 | 5,430,000 |
| Noninterest income | 194,000 | 421,000 | 691,000 | 933,000 |
| Noninterest expense | 915,000 | 1,871,000 | 2,788,000 | 3,727,000 |
| Provision for loan losses | 41,000 | 42,000 | 105,000 | 105,000 |
| Pretax income | 546,000 | 1,181,000 | 1,859,000 | 2,531,000 |
| Income tax | 222,000 | 474,000 | 738,000 | 997,000 |
| Net income | 324,000 | 707,000 | 1,121,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,819,000 | 12,237,000 | 12,586,000 | 13,034,000 |
| Total capital | 12,827,000 | 13,246,000 | 13,636,000 | 14,082,000 |
| Risk-weighted assets | 93,852,000 | 97,754,000 | 102,536,000 | 105,620,000 |