Call reports 2004
COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 3,808,837,000 | 4,346,927,000 | 4,413,752,000 | 4,380,340,000 |
| Total loans | 2,105,415,000 | 2,346,735,000 | 2,373,751,000 | 2,358,493,000 |
| Allowance for loan losses | 28,821,000 | 32,040,000 | 32,609,000 | 31,777,000 |
| Securities available for sale | 1,174,958,000 | 1,391,679,000 | 1,413,138,000 | 1,393,324,000 |
| Securities held to maturity | 135,308,000 | 136,273,000 | 135,120,000 | 135,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,750,328,000 | 2,952,914,000 | 2,935,673,000 | 2,944,519,000 |
| Interest-bearing deposits | 2,259,624,000 | 2,387,301,000 | 2,355,389,000 | 2,361,872,000 |
| Noninterest-bearing deposits | 490,704,000 | 565,613,000 | 580,284,000 | 582,647,000 |
| Equity capital | 485,075,000 | 511,552,000 | 538,318,000 | 537,343,000 |
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 | 49,843,000 | 101,967,000 | 157,114,000 | 212,618,000 |
| Interest expense | 12,499,000 | 25,765,000 | 40,373,000 | 55,734,000 |
| Net interest income | 37,344,000 | 76,202,000 | 116,741,000 | 156,884,000 |
| Noninterest income | 8,514,000 | 17,375,000 | 27,580,000 | 36,639,000 |
| Noninterest expense | 28,004,000 | 56,028,000 | 84,385,000 | 112,751,000 |
| Provision for loan losses | 2,050,000 | 4,350,000 | 6,650,000 | 8,750,000 |
| Pretax income | 15,814,000 | 33,344,000 | 53,431,000 | 72,094,000 |
| Income tax | 3,796,000 | 8,270,000 | 13,305,000 | 17,952,000 |
| Net income | 12,018,000 | 25,074,000 | 40,126,000 | 54,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 249,005,000 | 270,761,000 | 277,710,000 | 276,654,000 |
| Total capital | 274,953,000 | 300,422,000 | 307,695,000 | 306,446,000 |
| Risk-weighted assets | 2,073,559,000 | 2,370,463,000 | 2,396,176,000 | 2,381,051,000 |