Call reports 2003
COMMUNITY BANK, THE — 2003
What COMMUNITY BANK, THE 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 | 120,352,000 | 120,715,000 | 120,028,000 | 127,428,000 |
| Total loans | 74,849,000 | 77,754,000 | 80,071,000 | 83,677,000 |
| Allowance for loan losses | 557,000 | 661,000 | 723,000 | 833,000 |
| Securities available for sale | 30,520,000 | 28,624,000 | 28,020,000 | 32,380,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,168,000 | 88,556,000 | 86,547,000 | 88,972,000 |
| Interest-bearing deposits | 71,459,000 | 74,653,000 | 73,769,000 | 76,099,000 |
| Noninterest-bearing deposits | 14,709,000 | 13,903,000 | 12,778,000 | 12,873,000 |
| Equity capital | 8,556,000 | 8,932,000 | 8,613,000 | 9,945,000 |
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 | 1,770,000 | 3,577,000 | 5,286,000 | 7,093,000 |
| Interest expense | 658,000 | 1,338,000 | 1,988,000 | 2,635,000 |
| Net interest income | 1,112,000 | 2,239,000 | 3,298,000 | 4,458,000 |
| Noninterest income | 164,000 | 376,000 | 583,000 | 790,000 |
| Noninterest expense | 1,019,000 | 1,990,000 | 3,033,000 | 3,928,000 |
| Provision for loan losses | 180,000 | 300,000 | 620,000 | 740,000 |
| Pretax income | 77,000 | 325,000 | 238,000 | 590,000 |
| Income tax | -8,000 | 42,000 | -43,000 | 19,000 |
| Net income | 85,000 | 283,000 | 281,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,147,000 | 8,346,000 | 8,343,000 | 9,633,000 |
| Total capital | 8,704,000 | 9,007,000 | 9,066,000 | 10,466,000 |
| Risk-weighted assets | 76,863,000 | 79,162,000 | 81,939,000 | 86,057,000 |
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