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 | 1,669,680,000 | 1,782,674,000 | 1,845,105,000 | 1,914,080,000 |
| Total loans | 1,010,272,000 | 1,065,281,000 | 1,102,917,000 | 1,136,332,000 |
| Allowance for loan losses | 17,642,000 | 18,126,000 | 18,606,000 | 18,723,000 |
| Securities available for sale | 476,810,000 | 567,015,000 | 628,634,000 | 677,656,000 |
| Securities held to maturity | 294,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,433,570,000 | 1,554,430,000 | 1,604,353,000 | 1,586,736,000 |
| Interest-bearing deposits | 999,754,000 | 1,080,656,000 | 1,140,964,000 | 1,130,013,000 |
| Noninterest-bearing deposits | 433,816,000 | 473,774,000 | 463,389,000 | 456,723,000 |
| Equity capital | 145,368,000 | 141,360,000 | 152,707,000 | 158,471,000 |
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 | 20,467,000 | 41,406,000 | 64,512,000 | 88,809,000 |
| Interest expense | 3,691,000 | 8,087,000 | 13,052,000 | 18,759,000 |
| Net interest income | 16,776,000 | 33,319,000 | 51,460,000 | 70,050,000 |
| Noninterest income | 2,085,000 | 4,940,000 | 8,667,000 | 10,966,000 |
| Noninterest expense | 10,256,000 | 20,791,000 | 31,687,000 | 42,806,000 |
| Provision for loan losses | 520,000 | 1,320,000 | 1,520,000 | 1,520,000 |
| Pretax income | 8,536,000 | 16,489,000 | 27,261,000 | 37,031,000 |
| Income tax | 3,461,000 | 6,744,000 | 11,054,000 | 14,848,000 |
| Net income | 5,075,000 | 9,745,000 | 16,207,000 | 22,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,105,000 | 146,537,000 | 153,065,000 | 158,784,000 |
| Total capital | 157,846,000 | 163,237,000 | 170,381,000 | 176,570,000 |
| Risk-weighted assets | 1,256,887,000 | 1,334,025,000 | 1,383,459,000 | 1,421,358,000 |