Call reports 2003
COMMUNITY BANKS OF COLORADO — 2003
What COMMUNITY BANKS OF COLORADO 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 | 381,301,000 | 430,953,000 | 437,505,000 | 447,832,000 |
| Total loans | 346,552,000 | 395,681,000 | 402,860,000 | 409,305,000 |
| Allowance for loan losses | 1,427,000 | 1,295,000 | 1,337,000 | 1,181,000 |
| Securities available for sale | 6,375,000 | 4,296,000 | 3,297,000 | 5,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,913,000 | 306,010,000 | 317,547,000 | 327,612,000 |
| Interest-bearing deposits | 246,453,000 | 258,808,000 | 268,244,000 | 277,517,000 |
| Noninterest-bearing deposits | 36,460,000 | 47,202,000 | 49,303,000 | 50,095,000 |
| Equity capital | 31,709,000 | 35,389,000 | 37,513,000 | 38,858,000 |
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 | 6,016,000 | 12,912,000 | 19,811,000 | 26,301,000 |
| Interest expense | 2,172,000 | 4,460,000 | 6,668,000 | 8,637,000 |
| Net interest income | 3,844,000 | 8,452,000 | 13,143,000 | 17,664,000 |
| Noninterest income | 2,039,000 | 4,414,000 | 6,807,000 | 7,508,000 |
| Noninterest expense | 3,615,000 | 7,559,000 | 11,031,000 | 14,748,000 |
| Provision for loan losses | 75,000 | 75,000 | 435,000 | 656,000 |
| Pretax income | 2,193,000 | 5,232,000 | 8,484,000 | 9,768,000 |
| Income tax | 798,000 | 1,921,000 | 3,047,000 | 3,582,000 |
| Net income | 1,395,000 | 3,311,000 | 5,437,000 | 6,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,382,000 | 35,039,000 | 37,122,000 | 38,476,000 |
| Total capital | 32,809,000 | 36,334,000 | 38,459,000 | 39,657,000 |
| Risk-weighted assets | 313,831,000 | 345,502,000 | 358,236,000 | 384,472,000 |