Call reports 2003
COMMUNITY BANK & TRUST — 2003
What COMMUNITY BANK & TRUST 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 | 595,189,000 | 593,882,000 | 608,092,000 | 631,350,000 |
| Total loans | 406,416,000 | 417,597,000 | 428,882,000 | 450,946,000 |
| Allowance for loan losses | 6,195,000 | 6,169,000 | 6,511,000 | 6,155,000 |
| Securities available for sale | 76,778,000 | 81,317,000 | 82,173,000 | 78,300,000 |
| Securities held to maturity | 21,325,000 | 20,012,000 | 19,399,000 | 19,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,752,000 | 508,108,000 | 515,149,000 | 548,049,000 |
| Interest-bearing deposits | 417,149,000 | 417,971,000 | 423,432,000 | 448,302,000 |
| Noninterest-bearing deposits | 87,603,000 | 90,137,000 | 91,717,000 | 99,747,000 |
| Equity capital | 55,538,000 | 56,872,000 | 56,735,000 | 55,876,000 |
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 | 8,681,000 | 17,455,000 | 26,253,000 | 35,066,000 |
| Interest expense | 2,993,000 | 5,780,000 | 8,387,000 | 10,860,000 |
| Net interest income | 5,688,000 | 11,675,000 | 17,866,000 | 24,206,000 |
| Noninterest income | 2,492,000 | 4,743,000 | 7,061,000 | 10,550,000 |
| Noninterest expense | 6,041,000 | 12,247,000 | 18,574,000 | 24,851,000 |
| Provision for loan losses | 480,000 | 960,000 | 1,440,000 | 3,010,000 |
| Pretax income | 1,659,000 | 3,211,000 | 4,913,000 | 6,972,000 |
| Income tax | 351,000 | 708,000 | 1,129,000 | 1,627,000 |
| Net income | 1,308,000 | 2,503,000 | 3,784,000 | 5,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,070,000 | 52,838,000 | 53,501,000 | 52,536,000 |
| Total capital | 57,382,000 | 58,284,000 | 59,044,000 | 58,313,000 |
| Risk-weighted assets | 424,077,000 | 434,933,000 | 442,500,000 | 461,769,000 |