Call reports 2013
COMMUNITY BANK CORPORATION — 2013
What COMMUNITY BANK CORPORATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 149,866,000 | 152,892,000 | 148,840,000 | 165,225,000 |
| Total loans | 92,471,000 | 89,320,000 | 90,669,000 | 98,775,000 |
| Allowance for loan losses | 2,265,000 | 2,186,000 | 2,150,000 | 2,085,000 |
| Securities available for sale | 16,522,000 | 15,412,000 | 17,355,000 | 21,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,867,000 | 129,259,000 | 123,334,000 | 141,496,000 |
| Interest-bearing deposits | 101,608,000 | 102,532,000 | 95,139,000 | 108,351,000 |
| Noninterest-bearing deposits | 23,259,000 | 26,727,000 | 28,195,000 | 33,145,000 |
| Equity capital | 21,868,000 | 20,628,000 | 21,085,000 | 20,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,490,000 | 2,913,000 | 4,336,000 | 5,846,000 |
| Interest expense | 109,000 | 210,000 | 290,000 | 373,000 |
| Net interest income | 1,381,000 | 2,703,000 | 4,046,000 | 5,473,000 |
| Noninterest income | 211,000 | 439,000 | 683,000 | 1,102,000 |
| Noninterest expense | 1,277,000 | 2,512,000 | 3,778,000 | 5,047,000 |
| Provision for loan losses | 0 | -50,000 | -50,000 | -50,000 |
| Pretax income | 315,000 | 680,000 | 1,001,000 | 1,606,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 315,000 | 680,000 | 1,001,000 | 1,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,674,000 | 21,039,000 | 21,361,000 | 21,212,000 |
| Total capital | 22,977,000 | 22,292,000 | 22,629,000 | 22,620,000 |
| Risk-weighted assets | 103,291,000 | 99,325,000 | 100,576,000 | 111,945,000 |