Call reports 2004
COMMUNITY BANK OF MISSISSIPPI — 2004
What COMMUNITY BANK OF MISSISSIPPI reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 514,721,000 | 522,118,000 | 538,270,000 | 533,273,000 |
| Total loans | 376,384,000 | 381,684,000 | 396,953,000 | 397,533,000 |
| Allowance for loan losses | 3,993,000 | 4,195,000 | 4,375,000 | 4,777,000 |
| Securities available for sale | 87,791,000 | 92,547,000 | 91,301,000 | 87,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,779,000 | 439,625,000 | 456,523,000 | 459,637,000 |
| Interest-bearing deposits | 383,892,000 | 392,965,000 | 405,553,000 | 394,846,000 |
| Noninterest-bearing deposits | 46,887,000 | 46,661,000 | 50,971,000 | 64,791,000 |
| Equity capital | 37,509,000 | 37,543,000 | 39,572,000 | 40,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,678,000 | 13,804,000 | 20,985,000 | 28,248,000 |
| Interest expense | 2,074,000 | 4,239,000 | 6,462,000 | 8,752,000 |
| Net interest income | 4,604,000 | 9,565,000 | 14,523,000 | 19,496,000 |
| Noninterest income | 439,000 | 1,014,000 | 1,555,000 | 2,160,000 |
| Noninterest expense | 3,005,000 | 6,320,000 | 9,330,000 | 12,176,000 |
| Provision for loan losses | 215,000 | 452,000 | 700,000 | 1,232,000 |
| Pretax income | 1,830,000 | 3,913,000 | 6,154,000 | 8,493,000 |
| Income tax | 653,000 | 1,420,000 | 2,237,000 | 3,085,000 |
| Net income | 1,177,000 | 2,493,000 | 3,917,000 | 5,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,061,000 | 37,379,000 | 38,873,000 | 40,292,000 |
| Total capital | 40,093,000 | 41,598,000 | 43,265,000 | 45,069,000 |
| Risk-weighted assets | 396,725,000 | 400,099,000 | 389,410,000 | 383,606,000 |
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