Call reports 2004
COMMUNITY BANK, THE — 2004
What COMMUNITY BANK, THE 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 | 133,047,000 | 133,791,000 | 136,881,000 | 136,317,000 |
| Total loans | 88,006,000 | 90,786,000 | 92,818,000 | 92,718,000 |
| Allowance for loan losses | 902,000 | 786,000 | 818,000 | 889,000 |
| Securities available for sale | 33,095,000 | 31,399,000 | 31,131,000 | 30,062,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,729,000 | 95,905,000 | 96,519,000 | 100,633,000 |
| Interest-bearing deposits | 77,313,000 | 82,679,000 | 83,926,000 | 84,880,000 |
| Noninterest-bearing deposits | 14,416,000 | 13,226,000 | 12,593,000 | 15,753,000 |
| Equity capital | 10,243,000 | 9,618,000 | 10,431,000 | 9,860,000 |
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 | 1,820,000 | 3,650,000 | 5,533,000 | 7,418,000 |
| Interest expense | 658,000 | 1,345,000 | 2,048,000 | 2,777,000 |
| Net interest income | 1,162,000 | 2,305,000 | 3,485,000 | 4,641,000 |
| Noninterest income | 209,000 | 444,000 | 678,000 | 902,000 |
| Noninterest expense | 1,003,000 | 2,050,000 | 2,860,000 | 3,912,000 |
| Provision for loan losses | 180,000 | 360,000 | 480,000 | 740,000 |
| Pretax income | 188,000 | 339,000 | 823,000 | 891,000 |
| Income tax | 29,000 | 62,000 | 205,000 | 179,000 |
| Net income | 159,000 | 277,000 | 618,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,700,000 | 9,818,000 | 10,159,000 | 9,728,000 |
| Total capital | 10,602,000 | 10,604,000 | 10,977,000 | 10,617,000 |
| Risk-weighted assets | 89,554,000 | 82,503,000 | 84,088,000 | 84,678,000 |
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