Call reports 2010
COMMUNITY BANK, N.A. — 2010
What COMMUNITY BANK, N.A. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,853,000 | 49,252,000 | 49,323,000 | 50,676,000 |
| Total loans | 36,547,000 | 37,276,000 | 36,738,000 | 35,671,000 |
| Allowance for loan losses | 613,000 | 633,000 | 641,000 | 600,000 |
| Securities available for sale | 3,607,000 | 3,319,000 | 2,836,000 | 3,043,000 |
| Securities held to maturity | 16,000 | 15,000 | 14,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,307,000 | 44,477,000 | 44,361,000 | 45,713,000 |
| Interest-bearing deposits | 37,377,000 | 37,040,000 | 36,707,000 | 38,630,000 |
| Noninterest-bearing deposits | 6,930,000 | 7,437,000 | 7,654,000 | 7,083,000 |
| Equity capital | 4,376,000 | 4,556,000 | 4,698,000 | 4,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,594,000 | 2,412,000 | 3,206,000 |
| Interest expense | 179,000 | 348,000 | 514,000 | 673,000 |
| Net interest income | 601,000 | 1,246,000 | 1,898,000 | 2,533,000 |
| Noninterest income | 99,000 | 238,000 | 359,000 | 388,000 |
| Noninterest expense | 540,000 | 1,069,000 | 1,622,000 | 2,160,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 145,000 | 385,000 | 590,000 | 701,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 385,000 | 590,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,303,000 | 4,453,000 | 4,567,000 | 4,587,000 |
| Total capital | 4,778,000 | 4,923,000 | 5,033,000 | 5,047,000 |
| Risk-weighted assets | 37,843,000 | 37,417,000 | 37,121,000 | 36,688,000 |