Call reports 2006
COMMUNITY BANK, N.A. — 2006
What COMMUNITY BANK, N.A. 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 | 39,337,000 | 40,092,000 | 39,125,000 | 38,208,000 |
| Total loans | 30,141,000 | 31,345,000 | 31,107,000 | 31,060,000 |
| Allowance for loan losses | 548,000 | 551,000 | 549,000 | 507,000 |
| Securities available for sale | 4,724,000 | 4,425,000 | 4,188,000 | 3,682,000 |
| Securities held to maturity | 201,000 | 197,000 | 96,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,668,000 | 35,205,000 | 34,072,000 | 33,363,000 |
| Interest-bearing deposits | 30,035,000 | 29,119,000 | 28,329,000 | 28,058,000 |
| Noninterest-bearing deposits | 5,633,000 | 6,086,000 | 5,743,000 | 5,305,000 |
| Equity capital | 3,472,000 | 3,637,000 | 3,756,000 | 3,537,000 |
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 | 741,000 | 1,531,000 | 2,321,000 | 3,123,000 |
| Interest expense | 193,000 | 404,000 | 646,000 | 905,000 |
| Net interest income | 548,000 | 1,127,000 | 1,675,000 | 2,218,000 |
| Noninterest income | 106,000 | 245,000 | 342,000 | 436,000 |
| Noninterest expense | 451,000 | 887,000 | 1,338,000 | 1,799,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 78,000 |
| Pretax income | 191,000 | 461,000 | 643,000 | 777,000 |
| Income tax | -37,000 | -37,000 | -37,000 | -37,000 |
| Net income | 228,000 | 498,000 | 680,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,526,000 | 3,704,000 | 3,795,000 | 3,565,000 |
| Total capital | 3,908,000 | 4,096,000 | 4,183,000 | 3,950,000 |
| Risk-weighted assets | 30,363,000 | 31,207,000 | 30,880,000 | 30,644,000 |