Call reports 2008
COMMUNITY BANK, N.A. — 2008
What COMMUNITY BANK, N.A. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,499,000 | 41,047,000 | 41,073,000 | 39,700,000 |
| Total loans | 34,036,000 | 33,255,000 | 32,965,000 | 33,565,000 |
| Allowance for loan losses | 595,000 | 600,000 | 591,000 | 593,000 |
| Securities available for sale | 1,678,000 | 1,367,000 | 1,423,000 | 1,420,000 |
| Securities held to maturity | 59,000 | 58,000 | 57,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,160,000 | 36,578,000 | 36,438,000 | 35,252,000 |
| Interest-bearing deposits | 30,743,000 | 31,092,000 | 30,859,000 | 30,504,000 |
| Noninterest-bearing deposits | 5,417,000 | 5,486,000 | 5,579,000 | 4,748,000 |
| Equity capital | 4,035,000 | 4,156,000 | 4,306,000 | 4,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,663,000 | 2,478,000 | 3,270,000 |
| Interest expense | 290,000 | 561,000 | 807,000 | 1,027,000 |
| Net interest income | 554,000 | 1,102,000 | 1,671,000 | 2,243,000 |
| Noninterest income | 101,000 | 232,000 | 350,000 | 461,000 |
| Noninterest expense | 464,000 | 895,000 | 1,359,000 | 1,866,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | 37,000 |
| Pretax income | 183,000 | 428,000 | 651,000 | 802,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | 185,000 | 430,000 | 653,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,015,000 | 4,170,000 | 4,302,000 | 4,140,000 |
| Total capital | 4,457,000 | 4,606,000 | 4,752,000 | 4,587,000 |
| Risk-weighted assets | 35,171,000 | 34,756,000 | 35,868,000 | 35,640,000 |