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 | 31,526,000 | 30,345,000 | 27,763,000 | 26,210,000 |
| Total loans | 15,310,000 | 15,212,000 | 15,586,000 | 15,760,000 |
| Allowance for loan losses | 154,000 | 157,000 | 160,000 | 200,000 |
| Securities available for sale | 12,921,000 | 12,425,000 | 8,528,000 | 1,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,113,000 | 27,000,000 | 24,397,000 | 22,917,000 |
| Interest-bearing deposits | 26,653,000 | 25,914,000 | 23,494,000 | 22,091,000 |
| Noninterest-bearing deposits | 1,460,000 | 1,085,000 | 903,000 | 826,000 |
| Equity capital | 3,240,000 | 3,158,000 | 3,257,000 | 3,179,000 |
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 | 407,000 | 778,000 | 1,141,000 | 1,473,000 |
| Interest expense | 164,000 | 312,000 | 456,000 | 592,000 |
| Net interest income | 243,000 | 466,000 | 685,000 | 881,000 |
| Noninterest income | 12,000 | 18,000 | 20,000 | 31,000 |
| Noninterest expense | 139,000 | 257,000 | 500,000 | 686,000 |
| Provision for loan losses | 3,000 | 6,000 | 139,000 | 249,000 |
| Pretax income | 100,000 | 208,000 | -75,000 | -389,000 |
| Income tax | 34,000 | 48,000 | -16,000 | -205,000 |
| Net income | 66,000 | 160,000 | -59,000 | -184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,429,000 | 3,523,000 | 3,303,000 | 3,179,000 |
| Total capital | 3,583,000 | 3,680,000 | 3,463,000 | 3,379,000 |
| Risk-weighted assets | 17,947,000 | 17,971,000 | 17,457,000 | 17,506,000 |
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