Call reports 2009
COMMUNITY BANKING COMPANY — 2009
What COMMUNITY BANKING COMPANY 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 | 98,954,000 | 95,962,000 | 96,580,000 | 103,255,000 |
| Total loans | 53,963,000 | 54,973,000 | 57,905,000 | 54,873,000 |
| Allowance for loan losses | 1,297,000 | 1,278,000 | 1,283,000 | 993,000 |
| Securities available for sale | 18,913,000 | 14,934,000 | 13,685,000 | 13,461,000 |
| Securities held to maturity | 8,085,000 | 6,954,000 | 6,650,000 | 6,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,806,000 | 83,470,000 | 83,760,000 | 90,183,000 |
| Interest-bearing deposits | 76,584,000 | 73,866,000 | 75,183,000 | 80,508,000 |
| Noninterest-bearing deposits | 9,222,000 | 9,604,000 | 8,577,000 | 9,675,000 |
| Equity capital | 12,543,000 | 12,049,000 | 12,257,000 | 12,403,000 |
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 | 1,112,000 | 2,218,000 | 3,336,000 | 4,436,000 |
| Interest expense | 444,000 | 850,000 | 1,227,000 | 1,598,000 |
| Net interest income | 668,000 | 1,368,000 | 2,109,000 | 2,838,000 |
| Noninterest income | 200,000 | 410,000 | 614,000 | 824,000 |
| Noninterest expense | 714,000 | 1,429,000 | 2,178,000 | 2,902,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 136,000 | -198,000 | -31,000 | 153,000 |
| Income tax | 18,000 | -125,000 | -100,000 | -72,000 |
| Net income | 118,000 | -73,000 | 69,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,658,000 | 10,183,000 | 10,325,000 | 10,482,000 |
| Total capital | 11,393,000 | 10,913,000 | 11,087,000 | 11,233,000 |
| Risk-weighted assets | 58,203,000 | 57,869,000 | 60,473,000 | 59,819,000 |