Call reports 2003
COMMUNITY BANK GROUP — 2003
What COMMUNITY BANK GROUP 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 | 370,042,000 | 372,280,000 | 380,968,000 | 393,255,000 |
| Total loans | 309,479,000 | 312,597,000 | 321,202,000 | 332,113,000 |
| Allowance for loan losses | 3,308,000 | 3,326,000 | 3,394,000 | 3,344,000 |
| Securities available for sale | 35,395,000 | 32,048,000 | 33,526,000 | 35,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,373,000 | 296,388,000 | 309,189,000 | 310,558,000 |
| Interest-bearing deposits | 247,613,000 | 252,124,000 | 267,124,000 | 269,976,000 |
| Noninterest-bearing deposits | 45,760,000 | 44,264,000 | 42,065,000 | 40,582,000 |
| Equity capital | 33,729,000 | 34,455,000 | 34,545,000 | 35,030,000 |
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 | 5,065,000 | 10,294,000 | 15,324,000 | 20,363,000 |
| Interest expense | 1,374,000 | 2,701,000 | 3,916,000 | 5,047,000 |
| Net interest income | 3,691,000 | 7,593,000 | 11,408,000 | 15,316,000 |
| Noninterest income | 326,000 | 684,000 | 1,031,000 | 1,365,000 |
| Noninterest expense | 2,392,000 | 4,797,000 | 7,254,000 | 9,678,000 |
| Provision for loan losses | 162,000 | 324,000 | 486,000 | 648,000 |
| Pretax income | 1,463,000 | 3,156,000 | 4,699,000 | 6,654,000 |
| Income tax | 485,000 | 1,066,000 | 1,591,000 | 2,266,000 |
| Net income | 978,000 | 2,090,000 | 3,108,000 | 4,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,312,000 | 33,819,000 | 34,233,000 | 34,909,000 |
| Total capital | 36,620,000 | 37,145,000 | 37,627,000 | 38,253,000 |
| Risk-weighted assets | 328,152,000 | 332,149,000 | 339,797,000 | 354,242,000 |