Call reports 2007
COMMUNITY BANK FINANCIAL — 2007
What COMMUNITY BANK FINANCIAL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 101,924,000 | 102,335,000 | 101,025,000 |
| Total loans | 71,074,000 | 71,729,000 | 72,772,000 |
| Allowance for loan losses | 529,000 | 516,000 | 519,000 |
| Securities available for sale | 11,824,000 | 11,730,000 | 12,016,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 92,388,000 | 92,839,000 | 92,205,000 |
| Interest-bearing deposits | 84,565,000 | 84,806,000 | 84,418,000 |
| Noninterest-bearing deposits | 7,823,000 | 8,033,000 | 7,787,000 |
| Equity capital | 7,925,000 | 7,909,000 | 8,171,000 |
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 |
|---|---|---|---|
| Interest income | 1,666,000 | 3,336,000 | 4,985,000 |
| Interest expense | 826,000 | 1,672,000 | 2,534,000 |
| Net interest income | 840,000 | 1,664,000 | 2,451,000 |
| Noninterest income | 147,000 | 289,000 | 435,000 |
| Noninterest expense | 758,000 | 1,553,000 | 2,328,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 229,000 | 400,000 | 558,000 |
| Income tax | 67,000 | 113,000 | 146,000 |
| Net income | 162,000 | 287,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 7,960,000 | 8,085,000 | 8,210,000 |
| Total capital | 8,489,000 | 8,601,000 | 8,729,000 |
| Risk-weighted assets | 80,119,000 | 78,636,000 | 81,174,000 |