Call reports 2003
COMMUNITY BANK — 2003
What COMMUNITY BANK 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 | 1,496,753,000 | 1,478,309,000 | 1,505,787,000 | 1,566,526,000 |
| Total loans | 978,479,000 | 987,638,000 | 997,408,000 | 995,952,000 |
| Allowance for loan losses | 18,811,000 | 17,150,000 | 17,603,000 | 17,888,000 |
| Securities available for sale | 385,595,000 | 354,156,000 | 383,661,000 | 461,062,000 |
| Securities held to maturity | 3,382,000 | 3,088,000 | 588,000 | 294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,256,625,000 | 1,301,263,000 | 1,323,280,000 | 1,335,348,000 |
| Interest-bearing deposits | 908,203,000 | 919,276,000 | 935,776,000 | 927,926,000 |
| Noninterest-bearing deposits | 348,422,000 | 381,987,000 | 387,504,000 | 407,422,000 |
| Equity capital | 129,065,000 | 131,487,000 | 134,793,000 | 138,310,000 |
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 | 19,595,000 | 38,937,000 | 56,921,000 | 77,503,000 |
| Interest expense | 4,156,000 | 8,148,000 | 11,727,000 | 15,282,000 |
| Net interest income | 15,439,000 | 30,789,000 | 45,194,000 | 62,221,000 |
| Noninterest income | 2,271,000 | 4,452,000 | 6,819,000 | 8,874,000 |
| Noninterest expense | 9,605,000 | 19,566,000 | 29,508,000 | 39,156,000 |
| Provision for loan losses | 160,000 | 348,000 | 1,648,000 | 2,918,000 |
| Pretax income | 7,945,000 | 15,327,000 | 20,918,000 | 29,172,000 |
| Income tax | 3,341,000 | 6,445,000 | 8,796,000 | 11,861,000 |
| Net income | 4,604,000 | 8,882,000 | 12,122,000 | 17,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,817,000 | 129,022,000 | 132,129,000 | 137,274,000 |
| Total capital | 139,640,000 | 143,755,000 | 146,895,000 | 152,386,000 |
| Risk-weighted assets | 1,172,130,000 | 1,167,462,000 | 1,178,468,000 | 1,206,180,000 |