Call reports 2013
COMMUNITY BANK, N.A. — 2013
What COMMUNITY BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 51,971,000 | 51,586,000 | 50,871,000 | 49,881,000 |
| Total loans | 30,533,000 | 30,171,000 | 29,946,000 | 30,084,000 |
| Allowance for loan losses | 627,000 | 651,000 | 647,000 | 595,000 |
| Securities available for sale | 1,376,000 | 1,358,000 | 1,353,000 | 1,346,000 |
| Securities held to maturity | 7,000 | 7,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,853,000 | 46,406,000 | 45,591,000 | 44,657,000 |
| Interest-bearing deposits | 37,478,000 | 36,678,000 | 36,029,000 | 35,120,000 |
| Noninterest-bearing deposits | 9,375,000 | 9,728,000 | 9,562,000 | 9,537,000 |
| Equity capital | 4,962,000 | 5,009,000 | 5,071,000 | 5,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,259,000 | 1,885,000 | 2,495,000 |
| Interest expense | 91,000 | 178,000 | 261,000 | 340,000 |
| Net interest income | 537,000 | 1,081,000 | 1,624,000 | 2,155,000 |
| Noninterest income | 133,000 | 299,000 | 448,000 | 590,000 |
| Noninterest expense | 536,000 | 1,076,000 | 1,597,000 | 2,126,000 |
| Provision for loan losses | 8,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 126,000 | 294,000 | 465,000 | 609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 126,000 | 294,000 | 465,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,935,000 | 4,999,000 | 5,065,000 | 5,106,000 |
| Total capital | 5,359,000 | 5,415,000 | 5,478,000 | 5,514,000 |
| Risk-weighted assets | 33,755,000 | 33,081,000 | 32,767,000 | 32,492,000 |