Call reports 2006
COMMUNITY BANK FINANCIAL — 2006
What COMMUNITY BANK FINANCIAL 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 | 92,850,000 | 94,773,000 | 96,345,000 | 100,088,000 |
| Total loans | 74,641,000 | 75,252,000 | 75,122,000 | 75,556,000 |
| Allowance for loan losses | 600,000 | 603,000 | 572,000 | 538,000 |
| Securities available for sale | 12,023,000 | 12,059,000 | 12,340,000 | 11,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,715,000 | 82,285,000 | 87,066,000 | 90,748,000 |
| Interest-bearing deposits | 76,878,000 | 74,617,000 | 80,116,000 | 82,231,000 |
| Noninterest-bearing deposits | 6,836,000 | 7,669,000 | 6,950,000 | 8,517,000 |
| Equity capital | 7,295,000 | 7,356,000 | 7,624,000 | 7,739,000 |
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 | 1,441,000 | 2,988,000 | 4,546,000 | 6,140,000 |
| Interest expense | 578,000 | 1,251,000 | 1,947,000 | 2,722,000 |
| Net interest income | 863,000 | 1,737,000 | 2,599,000 | 3,418,000 |
| Noninterest income | 132,000 | 256,000 | 390,000 | 521,000 |
| Noninterest expense | 784,000 | 1,565,000 | 2,374,000 | 3,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 428,000 | 615,000 | 720,000 |
| Income tax | 60,000 | 134,000 | 181,000 | 195,000 |
| Net income | 151,000 | 294,000 | 434,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,424,000 | 7,567,000 | 7,707,000 | 7,798,000 |
| Total capital | 8,024,000 | 8,170,000 | 8,279,000 | 8,336,000 |
| Risk-weighted assets | 77,746,000 | 80,190,000 | 80,843,000 | 81,031,000 |