Call reports 2004
COMMUNITY BANK GROUP — 2004
What COMMUNITY BANK GROUP 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 | 392,935,000 | 399,781,000 | 422,565,000 | 434,338,000 |
| Total loans | 332,740,000 | 336,413,000 | 351,535,000 | 368,752,000 |
| Allowance for loan losses | 3,491,000 | 3,710,000 | 3,510,000 | 3,321,000 |
| Securities available for sale | 37,015,000 | 39,340,000 | 40,670,000 | 40,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,480,000 | 320,818,000 | 315,017,000 | 334,328,000 |
| Interest-bearing deposits | 268,830,000 | 273,345,000 | 264,806,000 | 275,295,000 |
| Noninterest-bearing deposits | 44,650,000 | 47,473,000 | 50,211,000 | 59,033,000 |
| Equity capital | 35,131,000 | 34,780,000 | 35,588,000 | 35,531,000 |
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 | 4,968,000 | 10,033,000 | 15,503,000 | 21,175,000 |
| Interest expense | 1,096,000 | 2,166,000 | 3,294,000 | 4,641,000 |
| Net interest income | 3,872,000 | 7,867,000 | 12,209,000 | 16,534,000 |
| Noninterest income | 339,000 | 865,000 | 1,295,000 | 1,752,000 |
| Noninterest expense | 2,940,000 | 5,776,000 | 8,684,000 | 11,564,000 |
| Provision for loan losses | 204,000 | 408,000 | 612,000 | 816,000 |
| Pretax income | 1,067,000 | 2,548,000 | 4,208,000 | 5,906,000 |
| Income tax | 360,000 | 881,000 | 1,467,000 | 2,445,000 |
| Net income | 707,000 | 1,667,000 | 2,741,000 | 3,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,885,000 | 35,114,000 | 35,457,000 | 35,445,000 |
| Total capital | 38,376,000 | 38,824,000 | 38,967,000 | 38,766,000 |
| Risk-weighted assets | 357,303,000 | 357,956,000 | 372,850,000 | 386,780,000 |