Call reports 2008
COMMUNITY BANKING COMPANY — 2008
What COMMUNITY BANKING COMPANY 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 | 97,557,000 | 97,112,000 | 94,662,000 | 101,259,000 |
| Total loans | 58,194,000 | 58,523,000 | 57,450,000 | 53,089,000 |
| Allowance for loan losses | 1,159,000 | 1,196,000 | 1,204,000 | 1,229,000 |
| Securities available for sale | 15,337,000 | 16,442,000 | 17,067,000 | 17,976,000 |
| Securities held to maturity | 5,393,000 | 5,040,000 | 5,921,000 | 5,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,832,000 | 84,779,000 | 82,106,000 | 88,326,000 |
| Interest-bearing deposits | 75,270,000 | 74,387,000 | 72,843,000 | 79,611,000 |
| Noninterest-bearing deposits | 9,562,000 | 10,392,000 | 9,263,000 | 8,715,000 |
| Equity capital | 12,005,000 | 11,773,000 | 12,019,000 | 12,373,000 |
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 | 1,461,000 | 2,839,000 | 4,175,000 | 5,438,000 |
| Interest expense | 580,000 | 1,103,000 | 1,587,000 | 2,071,000 |
| Net interest income | 881,000 | 1,736,000 | 2,588,000 | 3,367,000 |
| Noninterest income | 219,000 | 437,000 | 680,000 | 905,000 |
| Noninterest expense | 711,000 | 1,418,000 | 2,150,000 | 2,873,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 363,000 | 716,000 | 1,049,000 | 1,300,000 |
| Income tax | 104,000 | 207,000 | 304,000 | 334,000 |
| Net income | 259,000 | 509,000 | 745,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,116,000 | 10,083,000 | 10,319,000 | 10,540,000 |
| Total capital | 10,906,000 | 10,876,000 | 11,086,000 | 11,273,000 |
| Risk-weighted assets | 62,824,000 | 63,021,000 | 60,949,000 | 58,137,000 |