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 | 85,503,000 | 84,429,000 | 84,678,000 | 79,374,000 |
| Total loans | 35,317,000 | 34,836,000 | 36,862,000 | 37,125,000 |
| Allowance for loan losses | 391,000 | 366,000 | 358,000 | 334,000 |
| Securities available for sale | 27,476,000 | 31,951,000 | 30,631,000 | 28,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,140,000 | 76,722,000 | 76,423,000 | 71,113,000 |
| Interest-bearing deposits | 72,827,000 | 71,691,000 | 71,584,000 | 65,231,000 |
| Noninterest-bearing deposits | 4,313,000 | 5,031,000 | 4,839,000 | 5,882,000 |
| Equity capital | 7,241,000 | 6,750,000 | 7,214,000 | 7,160,000 |
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 | 859,000 | 1,712,000 | 2,581,000 | 3,420,000 |
| Interest expense | 261,000 | 517,000 | 770,000 | 1,029,000 |
| Net interest income | 598,000 | 1,195,000 | 1,811,000 | 2,391,000 |
| Noninterest income | 82,000 | 187,000 | 273,000 | 555,000 |
| Noninterest expense | 555,000 | 1,179,000 | 1,737,000 | 2,524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 207,000 | 351,000 | 434,000 |
| Income tax | 0 | -23,000 | -14,000 | -9,000 |
| Net income | 129,000 | 230,000 | 365,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,805,000 | 6,906,000 | 7,042,000 | 7,093,000 |
| Total capital | 7,196,000 | 7,272,000 | 7,400,000 | 7,427,000 |
| Risk-weighted assets | 36,185,000 | 35,229,000 | 36,492,000 | 36,514,000 |