Call reports 2006
COMMUNITY BANKING COMPANY — 2006
What COMMUNITY BANKING COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 91,274,000 | 89,587,000 | 89,801,000 | 93,048,000 |
| Total loans | 56,225,000 | 57,173,000 | 56,163,000 | 52,024,000 |
| Allowance for loan losses | 1,131,000 | 1,172,000 | 1,215,000 | 1,241,000 |
| Securities available for sale | 10,160,000 | 9,025,000 | 11,276,000 | 11,712,000 |
| Securities held to maturity | 6,783,000 | 8,554,000 | 8,406,000 | 8,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,193,000 | 78,392,000 | 78,275,000 | 81,271,000 |
| Interest-bearing deposits | 70,059,000 | 68,092,000 | 67,510,000 | 70,808,000 |
| Noninterest-bearing deposits | 10,134,000 | 10,300,000 | 10,765,000 | 10,463,000 |
| Equity capital | 10,638,000 | 10,814,000 | 11,138,000 | 11,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,314,000 | 2,708,000 | 4,130,000 | 5,607,000 |
| Interest expense | 447,000 | 947,000 | 1,478,000 | 2,058,000 |
| Net interest income | 867,000 | 1,761,000 | 2,652,000 | 3,549,000 |
| Noninterest income | 167,000 | 342,000 | 514,000 | 722,000 |
| Noninterest expense | 620,000 | 1,263,000 | 1,904,000 | 2,572,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 369,000 | 750,000 | 1,127,000 | 1,519,000 |
| Income tax | 111,000 | 222,000 | 332,000 | 454,000 |
| Net income | 258,000 | 528,000 | 795,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,046,000 | 9,243,000 | 9,510,000 | 9,780,000 |
| Total capital | 9,812,000 | 9,796,000 | 9,963,000 | 10,514,000 |
| Risk-weighted assets | 61,223,000 | 61,265,000 | 60,220,000 | 58,197,000 |