Call reports 2003
COMMUNITY BANK AND TRUST COMPANY — 2003
What COMMUNITY BANK AND TRUST COMPANY 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 | 361,391,000 | 390,131,000 | 402,380,000 | 433,699,000 |
| Total loans | 330,791,000 | 341,199,000 | 363,639,000 | 388,806,000 |
| Allowance for loan losses | 4,546,000 | 4,706,000 | 4,906,000 | 5,631,000 |
| Securities available for sale | 11,360,000 | 12,204,000 | 10,729,000 | 10,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,003,000 | 350,012,000 | 361,520,000 | 358,984,000 |
| Interest-bearing deposits | 293,597,000 | 311,046,000 | 319,721,000 | 321,114,000 |
| Noninterest-bearing deposits | 29,406,000 | 38,966,000 | 41,799,000 | 37,870,000 |
| Equity capital | 31,436,000 | 32,815,000 | 34,032,000 | 34,976,000 |
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 | 6,105,000 | 12,211,000 | 18,922,000 | 25,512,000 |
| Interest expense | 1,545,000 | 2,988,000 | 4,323,000 | 5,633,000 |
| Net interest income | 4,560,000 | 9,223,000 | 14,599,000 | 19,879,000 |
| Noninterest income | 308,000 | 861,000 | 974,000 | 1,326,000 |
| Noninterest expense | 1,994,000 | 4,083,000 | 6,225,000 | 8,534,000 |
| Provision for loan losses | 198,000 | 411,000 | 611,000 | 1,339,000 |
| Pretax income | 2,669,000 | 5,627,000 | 8,780,000 | 11,416,000 |
| Income tax | 1,032,000 | 2,201,000 | 3,394,000 | 4,413,000 |
| Net income | 1,637,000 | 3,426,000 | 5,386,000 | 7,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,270,000 | 32,302,000 | 33,685,000 | 34,513,000 |
| Total capital | 35,214,000 | 36,481,000 | 38,160,000 | 39,197,000 |
| Risk-weighted assets | 314,886,000 | 333,026,000 | 357,030,000 | 372,365,000 |