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 | 39,398,000 | 39,276,000 | 35,131,000 | 34,462,000 |
| Total loans | 15,963,000 | 15,344,000 | 15,659,000 | 15,646,000 |
| Allowance for loan losses | 129,000 | 138,000 | 148,000 | 151,000 |
| Securities available for sale | 14,725,000 | 18,416,000 | 17,358,000 | 15,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,558,000 | 35,505,000 | 31,892,000 | 31,231,000 |
| Interest-bearing deposits | 34,636,000 | 34,722,000 | 30,669,000 | 30,218,000 |
| Noninterest-bearing deposits | 922,000 | 783,000 | 1,223,000 | 1,013,000 |
| Equity capital | 3,563,000 | 3,525,000 | 3,081,000 | 3,067,000 |
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 | 490,000 | 930,000 | 1,386,000 | 1,818,000 |
| Interest expense | 296,000 | 562,000 | 791,000 | 980,000 |
| Net interest income | 194,000 | 368,000 | 595,000 | 838,000 |
| Noninterest income | 18,000 | 34,000 | 25,000 | 27,000 |
| Noninterest expense | 145,000 | 278,000 | 430,000 | 566,000 |
| Provision for loan losses | 10,000 | 94,000 | 294,000 | 333,000 |
| Pretax income | 70,000 | 44,000 | -62,000 | 9,000 |
| Income tax | 19,000 | 13,000 | -8,000 | 6,000 |
| Net income | 51,000 | 31,000 | -54,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,411,000 | 3,391,000 | 3,306,000 | 3,363,000 |
| Total capital | 3,540,000 | 3,529,000 | 3,454,000 | 3,514,000 |
| Risk-weighted assets | 19,654,000 | 19,086,000 | 18,940,000 | 18,967,000 |
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