Call reports 2007
COMMUNITY BANK, N.A. — 2007
What COMMUNITY BANK, N.A. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,556,000 | 40,537,000 | 41,156,000 | 40,190,000 |
| Total loans | 32,003,000 | 32,306,000 | 33,199,000 | 32,827,000 |
| Allowance for loan losses | 525,000 | 541,000 | 599,000 | 587,000 |
| Securities available for sale | 3,423,000 | 3,404,000 | 3,139,000 | 2,332,000 |
| Securities held to maturity | 93,000 | 92,000 | 91,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,026,000 | 34,824,000 | 35,223,000 | 34,489,000 |
| Interest-bearing deposits | 29,019,000 | 28,934,000 | 29,267,000 | 29,412,000 |
| Noninterest-bearing deposits | 6,007,000 | 5,890,000 | 5,956,000 | 5,077,000 |
| Equity capital | 3,729,000 | 3,900,000 | 4,090,000 | 3,835,000 |
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 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,658,000 | 2,526,000 | 3,383,000 |
| Interest expense | 274,000 | 552,000 | 840,000 | 1,155,000 |
| Net interest income | 544,000 | 1,106,000 | 1,686,000 | 2,228,000 |
| Noninterest income | 113,000 | 226,000 | 345,000 | 445,000 |
| Noninterest expense | 469,000 | 866,000 | 1,298,000 | 1,821,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 176,000 | 442,000 | 697,000 | 804,000 |
| Income tax | -21,000 | -20,000 | -21,000 | -20,000 |
| Net income | 197,000 | 462,000 | 718,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,762,000 | 3,937,000 | 4,101,000 | 3,830,000 |
| Total capital | 4,170,000 | 4,347,000 | 4,521,000 | 4,245,000 |
| Risk-weighted assets | 32,528,000 | 32,635,000 | 33,447,000 | 33,034,000 |