Call reports 2004
COMMUNITY BANK — 2004
What COMMUNITY BANK 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 | 72,064,000 | 78,925,000 | 70,288,000 | 70,500,000 |
| Total loans | 53,354,000 | 53,925,000 | 56,746,000 | 54,140,000 |
| Allowance for loan losses | 751,000 | 751,000 | 751,000 | 751,000 |
| Securities available for sale | 11,288,000 | 15,594,000 | 10,393,000 | 11,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,530,000 | 61,353,000 | 50,805,000 | 52,759,000 |
| Interest-bearing deposits | 53,137,000 | 58,411,000 | 47,914,000 | 47,389,000 |
| Noninterest-bearing deposits | 3,393,000 | 2,942,000 | 2,891,000 | 5,370,000 |
| Equity capital | 6,793,000 | 6,800,000 | 7,178,000 | 7,398,000 |
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 | 972,000 | 1,898,000 | 2,839,000 | 3,815,000 |
| Interest expense | 432,000 | 852,000 | 1,223,000 | 1,625,000 |
| Net interest income | 540,000 | 1,046,000 | 1,616,000 | 2,190,000 |
| Noninterest income | 17,000 | 35,000 | 56,000 | 76,000 |
| Noninterest expense | 224,000 | 437,000 | 662,000 | 876,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 333,000 | 644,000 | 1,010,000 | 1,390,000 |
| Income tax | 122,000 | 237,000 | 372,000 | 510,000 |
| Net income | 211,000 | 407,000 | 638,000 | 880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,656,000 | 6,853,000 | 7,084,000 | 7,325,000 |
| Total capital | 7,265,000 | 7,507,000 | 7,756,000 | 7,979,000 |
| Risk-weighted assets | 48,540,000 | 52,194,000 | 54,001,000 | 52,195,000 |
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