Call reports 2004
COMMUNITY BANK AND TRUST COMPANY — 2004
What COMMUNITY BANK AND TRUST COMPANY 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 | 424,386,000 | 429,547,000 | 433,232,000 | 435,000,000 |
| Total loans | 393,889,000 | 398,610,000 | 407,816,000 | 410,062,000 |
| Allowance for loan losses | 5,827,000 | 6,112,000 | 6,330,000 | 6,396,000 |
| Securities available for sale | 10,493,000 | 6,912,000 | 6,227,000 | 5,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,042,000 | 369,168,000 | 381,801,000 | 372,877,000 |
| Interest-bearing deposits | 322,708,000 | 328,768,000 | 336,042,000 | 329,923,000 |
| Noninterest-bearing deposits | 38,334,000 | 40,400,000 | 45,759,000 | 42,954,000 |
| Equity capital | 36,469,000 | 37,068,000 | 38,253,000 | 39,630,000 |
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 | 6,522,000 | 13,166,000 | 19,844,000 | 26,810,000 |
| Interest expense | 1,276,000 | 2,487,000 | 3,715,000 | 4,984,000 |
| Net interest income | 5,246,000 | 10,679,000 | 16,129,000 | 21,826,000 |
| Noninterest income | 336,000 | 730,000 | 1,095,000 | 1,471,000 |
| Noninterest expense | 2,231,000 | 4,615,000 | 7,078,000 | 9,536,000 |
| Provision for loan losses | 249,000 | 534,000 | 759,000 | 878,000 |
| Pretax income | 3,102,000 | 6,289,000 | 9,445,000 | 12,944,000 |
| Income tax | 1,209,000 | 2,451,000 | 3,680,000 | 5,014,000 |
| Net income | 1,893,000 | 3,838,000 | 5,765,000 | 7,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,952,000 | 36,913,000 | 38,025,000 | 39,389,000 |
| Total capital | 40,619,000 | 41,668,000 | 42,895,000 | 44,201,000 |
| Risk-weighted assets | 370,462,000 | 379,031,000 | 387,443,000 | 382,593,000 |