Call reports 2003
COMMUNITY BANK — 2003
What COMMUNITY BANK 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 | 172,906,000 | 174,866,000 | 183,819,000 | 198,766,000 |
| Total loans | 140,687,000 | 146,688,000 | 151,891,000 | 153,642,000 |
| Allowance for loan losses | 2,301,000 | 2,314,000 | 2,340,000 | 2,350,000 |
| Securities available for sale | 3,673,000 | 3,609,000 | 3,552,000 | 7,549,000 |
| Securities held to maturity | 1,549,000 | 1,549,000 | 1,304,000 | 2,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,337,000 | 148,213,000 | 156,758,000 | 171,506,000 |
| Interest-bearing deposits | 110,055,000 | 115,885,000 | 118,517,000 | 128,594,000 |
| Noninterest-bearing deposits | 36,282,000 | 32,328,000 | 38,241,000 | 42,912,000 |
| Equity capital | 20,665,000 | 21,075,000 | 21,455,000 | 21,869,000 |
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 | 2,537,000 | 5,126,000 | 7,773,000 | 10,426,000 |
| Interest expense | 455,000 | 937,000 | 1,385,000 | 1,821,000 |
| Net interest income | 2,082,000 | 4,189,000 | 6,388,000 | 8,605,000 |
| Noninterest income | 293,000 | 607,000 | 900,000 | 1,187,000 |
| Noninterest expense | 1,276,000 | 2,531,000 | 3,825,000 | 5,154,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 1,069,000 | 2,298,000 | 3,476,000 | 4,651,000 |
| Income tax | 419,000 | 899,000 | 1,361,000 | 1,822,000 |
| Net income | 650,000 | 1,399,000 | 2,115,000 | 2,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,558,000 | 21,007,000 | 21,422,000 | 21,836,000 |
| Total capital | 22,329,000 | 22,860,000 | 23,382,000 | 23,848,000 |
| Risk-weighted assets | 141,164,000 | 147,810,000 | 156,445,000 | 160,639,000 |