Call reports 2003
COMMUNITYBANKS — 2003
What COMMUNITYBANKS 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 | 1,761,594,000 | 1,833,746,000 | 1,807,559,000 | 1,835,717,000 |
| Total loans | 952,922,000 | 1,014,746,000 | 1,079,703,000 | 1,088,577,000 |
| Allowance for loan losses | 12,653,000 | 12,922,000 | 13,440,000 | 13,178,000 |
| Securities available for sale | 685,377,000 | 679,250,000 | 597,536,000 | 599,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,154,321,000 | 1,196,765,000 | 1,213,110,000 | 1,232,194,000 |
| Interest-bearing deposits | 1,091,138,000 | 1,124,146,000 | 1,150,059,000 | 1,181,310,000 |
| Noninterest-bearing deposits | 63,184,000 | 72,619,000 | 63,051,000 | 50,884,000 |
| Equity capital | 134,824,000 | 147,855,000 | 143,835,000 | 150,688,000 |
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 | 23,736,000 | 47,414,000 | 71,126,000 | 94,633,000 |
| Interest expense | 10,520,000 | 21,040,000 | 31,383,000 | 41,586,000 |
| Net interest income | 13,216,000 | 26,374,000 | 39,743,000 | 53,047,000 |
| Noninterest income | 3,314,000 | 7,883,000 | 12,614,000 | 18,516,000 |
| Noninterest expense | 10,570,000 | 21,852,000 | 32,775,000 | 45,012,000 |
| Provision for loan losses | 400,000 | 1,000,000 | 1,900,000 | 2,500,000 |
| Pretax income | 6,194,000 | 12,352,000 | 18,678,000 | 24,397,000 |
| Income tax | 1,154,000 | 2,278,000 | 3,432,000 | 4,278,000 |
| Net income | 5,040,000 | 10,074,000 | 15,246,000 | 20,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,340,000 | 131,419,000 | 134,340,000 | 138,569,000 |
| Total capital | 139,574,000 | 145,066,000 | 148,012,000 | 152,605,000 |
| Risk-weighted assets | 1,265,637,000 | 1,322,167,000 | 1,360,972,000 | 1,373,900,000 |