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 | 98,575,000 | 97,325,000 | 83,856,000 | 77,499,000 |
| Total loans | 36,761,000 | 37,357,000 | 35,701,000 | 35,478,000 |
| Allowance for loan losses | 399,000 | 395,000 | 390,000 | 390,000 |
| Securities available for sale | 33,097,000 | 33,155,000 | 34,147,000 | 29,228,000 |
| Securities held to maturity | 1,914,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,675,000 | 88,725,000 | 76,016,000 | 69,549,000 |
| Interest-bearing deposits | 85,690,000 | 82,362,000 | 70,622,000 | 64,392,000 |
| Noninterest-bearing deposits | 4,985,000 | 6,363,000 | 5,394,000 | 5,157,000 |
| Equity capital | 6,770,000 | 7,225,000 | 6,915,000 | 6,929,000 |
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 | 1,072,000 | 2,146,000 | 3,103,000 | 3,937,000 |
| Interest expense | 504,000 | 947,000 | 1,325,000 | 1,610,000 |
| Net interest income | 568,000 | 1,199,000 | 1,778,000 | 2,327,000 |
| Noninterest income | 76,000 | 145,000 | 229,000 | 309,000 |
| Noninterest expense | 646,000 | 1,203,000 | 1,803,000 | 2,448,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 201,000 | 344,000 | 454,000 | 557,000 |
| Income tax | 48,000 | 108,000 | 117,000 | 138,000 |
| Net income | 153,000 | 236,000 | 337,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,410,000 | 6,493,000 | 6,595,000 | 6,676,000 |
| Total capital | 6,809,000 | 6,888,000 | 6,985,000 | 7,066,000 |
| Risk-weighted assets | 40,679,000 | 41,160,000 | 35,746,000 | 34,799,000 |