Call reports 2002
COMMUNITYBANKS — 2002
What COMMUNITYBANKS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,559,836,000 | 1,585,889,000 | 1,620,880,000 | 1,665,924,000 |
| Total loans | 888,928,000 | 890,113,000 | 914,551,000 | 919,629,000 |
| Allowance for loan losses | 12,462,000 | 12,626,000 | 12,769,000 | 12,343,000 |
| Securities available for sale | 556,381,000 | 547,435,000 | 596,883,000 | 632,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,096,654,000 | 1,115,084,000 | 1,116,322,000 | 1,133,935,000 |
| Interest-bearing deposits | 926,896,000 | 1,042,282,000 | 1,054,470,000 | 1,070,220,000 |
| Noninterest-bearing deposits | 169,758,000 | 72,802,000 | 61,852,000 | 63,715,000 |
| Equity capital | 108,105,000 | 121,097,000 | 127,068,000 | 130,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 24,121,000 | 48,264,000 | 72,666,000 | 96,589,000 |
| Interest expense | 11,679,000 | 23,503,000 | 34,954,000 | 46,139,000 |
| Net interest income | 12,442,000 | 24,761,000 | 37,712,000 | 50,450,000 |
| Noninterest income | 2,902,000 | 6,459,000 | 9,080,000 | 12,503,000 |
| Noninterest expense | 9,203,000 | 18,936,000 | 28,167,000 | 38,631,000 |
| Provision for loan losses | 1,600,000 | 2,250,000 | 2,750,000 | 3,350,000 |
| Pretax income | 4,906,000 | 10,389,000 | 16,292,000 | 21,834,000 |
| Income tax | 593,000 | 1,368,000 | 2,505,000 | 3,417,000 |
| Net income | 4,313,000 | 9,021,000 | 13,787,000 | 18,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,577,000 | 118,096,000 | 118,145,000 | 121,281,000 |
| Total capital | 125,315,000 | 130,893,000 | 131,329,000 | 133,980,000 |
| Risk-weighted assets | 1,184,103,000 | 1,168,340,000 | 1,177,243,000 | 1,199,897,000 |