Call reports 2003
COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 3,372,677,000 | 3,355,363,000 | 3,554,898,000 | 3,842,059,000 |
| Total loans | 1,821,726,000 | 1,859,055,000 | 1,925,042,000 | 2,128,509,000 |
| Allowance for loan losses | 27,350,000 | 27,417,000 | 27,117,000 | 29,095,000 |
| Securities available for sale | 1,193,110,000 | 1,137,796,000 | 1,121,430,000 | 1,153,644,000 |
| Securities held to maturity | 7,506,000 | 6,818,000 | 135,216,000 | 136,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,557,106,000 | 2,575,840,000 | 2,581,325,000 | 2,751,814,000 |
| Interest-bearing deposits | 2,104,785,000 | 2,076,596,000 | 2,075,690,000 | 2,227,293,000 |
| Noninterest-bearing deposits | 452,321,000 | 499,244,000 | 505,635,000 | 524,521,000 |
| Equity capital | 395,692,000 | 400,348,000 | 393,975,000 | 471,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 48,228,000 | 95,203,000 | 141,835,000 | 190,954,000 |
| Interest expense | 14,363,000 | 27,869,000 | 40,567,000 | 53,536,000 |
| Net interest income | 33,865,000 | 67,334,000 | 101,268,000 | 137,418,000 |
| Noninterest income | 8,206,000 | 16,482,000 | 24,824,000 | 32,658,000 |
| Noninterest expense | 23,971,000 | 48,663,000 | 72,897,000 | 100,772,000 |
| Provision for loan losses | 3,400,000 | 6,073,000 | 8,102,000 | 11,195,000 |
| Pretax income | 14,700,000 | 29,080,000 | 45,096,000 | 58,055,000 |
| Income tax | 3,822,000 | 7,270,000 | 10,823,000 | 13,951,000 |
| Net income | 10,878,000 | 21,810,000 | 34,273,000 | 44,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 218,678,000 | 215,572,000 | 220,747,000 | 245,809,000 |
| Total capital | 242,281,000 | 239,304,000 | 245,326,000 | 272,287,000 |
| Risk-weighted assets | 1,884,490,000 | 1,894,902,000 | 1,963,761,000 | 2,115,649,000 |