Call reports 2007
COMMUNITY BANK CORPORATION — 2007
What COMMUNITY BANK CORPORATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 129,985,000 | 127,315,000 | 131,540,000 | 143,578,000 |
| Total loans | 94,480,000 | 101,966,000 | 108,832,000 | 113,448,000 |
| Allowance for loan losses | 1,048,000 | 1,048,000 | 1,088,000 | 1,135,000 |
| Securities available for sale | 19,627,000 | 16,952,000 | 13,197,000 | 20,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,577,000 | 107,178,000 | 110,728,000 | 117,194,000 |
| Interest-bearing deposits | 95,618,000 | 95,075,000 | 96,576,000 | 103,198,000 |
| Noninterest-bearing deposits | 14,960,000 | 12,102,000 | 14,151,000 | 13,996,000 |
| Equity capital | 13,610,000 | 14,133,000 | 14,930,000 | 14,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,510,000 | 6,911,000 | 9,436,000 |
| Interest expense | 963,000 | 1,922,000 | 2,931,000 | 4,041,000 |
| Net interest income | 1,292,000 | 2,588,000 | 3,980,000 | 5,395,000 |
| Noninterest income | 242,000 | 520,000 | 809,000 | 1,098,000 |
| Noninterest expense | 934,000 | 1,874,000 | 2,867,000 | 3,819,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 71,000 |
| Pretax income | 600,000 | 1,234,000 | 1,882,000 | 2,603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 600,000 | 1,234,000 | 1,882,000 | 2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,634,000 | 14,269,000 | 14,906,000 | 14,236,000 |
| Total capital | 14,682,000 | 15,317,000 | 15,994,000 | 15,371,000 |
| Risk-weighted assets | 115,660,000 | 120,379,000 | 130,725,000 | 130,748,000 |