Call reports 2008
COMMUNITY BANK CORPORATION — 2008
What COMMUNITY BANK CORPORATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 144,198,000 | 146,040,000 | 175,707,000 | 177,908,000 |
| Total loans | 116,625,000 | 122,231,000 | 127,245,000 | 132,655,000 |
| Allowance for loan losses | 1,155,000 | 1,222,000 | 1,272,000 | 1,525,000 |
| Securities available for sale | 18,897,000 | 12,977,000 | 15,738,000 | 10,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,401,000 | 119,708,000 | 126,626,000 | 126,816,000 |
| Interest-bearing deposits | 105,669,000 | 105,926,000 | 113,512,000 | 113,595,000 |
| Noninterest-bearing deposits | 13,731,000 | 13,781,000 | 13,114,000 | 13,221,000 |
| Equity capital | 14,716,000 | 15,374,000 | 35,689,000 | 35,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,293,000 | 4,579,000 | 1,921,000 | 4,107,000 |
| Interest expense | 1,031,000 | 1,932,000 | 767,000 | 1,685,000 |
| Net interest income | 1,262,000 | 2,647,000 | 1,154,000 | 2,422,000 |
| Noninterest income | 297,000 | 592,000 | 214,000 | 460,000 |
| Noninterest expense | 992,000 | 1,994,000 | 871,000 | 2,009,000 |
| Provision for loan losses | 23,000 | 89,000 | 50,000 | 304,000 |
| Pretax income | 544,000 | 1,220,000 | 447,000 | 569,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 544,000 | 1,220,000 | 447,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,563,000 | 15,381,000 | 14,736,000 | 14,957,000 |
| Total capital | 15,718,000 | 16,603,000 | 16,008,000 | 16,483,000 |
| Risk-weighted assets | 131,682,000 | 139,669,000 | 146,224,000 | 146,677,000 |