Call reports 2009
COMMUNITY BANK, N.A. — 2009
What COMMUNITY BANK, N.A. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 42,309,000 | 44,850,000 | 46,837,000 | 48,198,000 |
| Total loans | 33,889,000 | 33,950,000 | 35,129,000 | 35,236,000 |
| Allowance for loan losses | 628,000 | 638,000 | 615,000 | 601,000 |
| Securities available for sale | 642,000 | 980,000 | 3,679,000 | 3,897,000 |
| Securities held to maturity | 39,000 | 38,000 | 38,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,908,000 | 40,321,000 | 42,156,000 | 43,716,000 |
| Interest-bearing deposits | 32,491,000 | 34,329,000 | 36,554,000 | 38,146,000 |
| Noninterest-bearing deposits | 5,417,000 | 5,992,000 | 5,602,000 | 5,570,000 |
| Equity capital | 4,171,000 | 4,264,000 | 4,363,000 | 4,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,549,000 | 2,344,000 | 3,154,000 |
| Interest expense | 208,000 | 413,000 | 613,000 | 813,000 |
| Net interest income | 573,000 | 1,136,000 | 1,731,000 | 2,341,000 |
| Noninterest income | 94,000 | 232,000 | 343,000 | 454,000 |
| Noninterest expense | 524,000 | 1,035,000 | 1,595,000 | 2,123,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 68,000 |
| Pretax income | 131,000 | 322,000 | 468,000 | 605,000 |
| Income tax | 2,000 | 2,000 | 1,000 | 1,000 |
| Net income | 129,000 | 320,000 | 467,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,165,000 | 4,265,000 | 4,320,000 | 4,263,000 |
| Total capital | 4,588,000 | 4,694,000 | 4,770,000 | 4,720,000 |
| Risk-weighted assets | 33,626,000 | 34,114,000 | 35,802,000 | 36,394,000 |