Call reports 2004
COMMUNITYBANKS — 2004
What COMMUNITYBANKS 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 | 1,936,245,000 | 1,952,258,000 | 1,947,408,000 | 1,945,816,000 |
| Total loans | 1,121,414,000 | 1,163,517,000 | 1,192,148,000 | 1,221,005,000 |
| Allowance for loan losses | 13,862,000 | 14,294,000 | 14,436,000 | 14,421,000 |
| Securities available for sale | 683,371,000 | 648,488,000 | 610,247,000 | 585,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,299,694,000 | 1,307,058,000 | 1,327,145,000 | 1,311,132,000 |
| Interest-bearing deposits | 1,231,835,000 | 1,239,214,000 | 1,261,713,000 | 1,249,183,000 |
| Noninterest-bearing deposits | 67,859,000 | 67,843,000 | 65,432,000 | 61,949,000 |
| Equity capital | 160,201,000 | 149,557,000 | 166,187,000 | 169,773,000 |
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 | 23,916,000 | 48,736,000 | 73,933,000 | 99,578,000 |
| Interest expense | 10,163,000 | 20,463,000 | 30,989,000 | 41,644,000 |
| Net interest income | 13,753,000 | 28,273,000 | 42,944,000 | 57,934,000 |
| Noninterest income | 4,236,000 | 9,572,000 | 15,468,000 | 20,639,000 |
| Noninterest expense | 11,654,000 | 24,379,000 | 36,780,000 | 49,249,000 |
| Provision for loan losses | 850,000 | 1,600,000 | 2,350,000 | 3,100,000 |
| Pretax income | 5,566,000 | 12,388,000 | 19,912,000 | 26,854,000 |
| Income tax | 896,000 | 2,184,000 | 3,748,000 | 4,992,000 |
| Net income | 4,670,000 | 10,204,000 | 16,164,000 | 21,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,253,000 | 147,911,000 | 154,246,000 | 159,677,000 |
| Total capital | 157,499,000 | 162,205,000 | 168,682,000 | 174,098,000 |
| Risk-weighted assets | 1,421,375,000 | 1,461,305,000 | 1,450,414,000 | 1,472,030,000 |