Call reports 2004
COMMUNITY BANK — 2004
What COMMUNITY BANK 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 | 190,987,000 | 198,044,000 | 199,185,000 | 206,466,000 |
| Total loans | 162,744,000 | 175,625,000 | 180,906,000 | 187,253,000 |
| Allowance for loan losses | 2,339,000 | 2,355,000 | 2,358,000 | 2,347,000 |
| Securities available for sale | 6,590,000 | 1,443,000 | 1,476,000 | 1,464,000 |
| Securities held to maturity | 2,446,000 | 2,445,000 | 2,414,000 | 2,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,939,000 | 159,503,000 | 166,771,000 | 175,350,000 |
| Interest-bearing deposits | 123,132,000 | 118,226,000 | 124,937,000 | 125,159,000 |
| Noninterest-bearing deposits | 38,807,000 | 41,276,000 | 41,834,000 | 50,191,000 |
| Equity capital | 22,346,000 | 22,754,000 | 23,791,000 | 24,209,000 |
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 | 2,734,000 | 5,518,000 | 8,526,000 | 11,763,000 |
| Interest expense | 412,000 | 801,000 | 1,207,000 | 1,638,000 |
| Net interest income | 2,322,000 | 4,717,000 | 7,319,000 | 10,125,000 |
| Noninterest income | 291,000 | 623,000 | 1,643,000 | 2,038,000 |
| Noninterest expense | 1,377,000 | 2,749,000 | 4,197,000 | 5,707,000 |
| Provision for loan losses | 0 | 11,000 | 11,000 | 11,000 |
| Pretax income | 1,236,000 | 2,549,000 | 4,723,000 | 6,414,000 |
| Income tax | 483,000 | 997,000 | 1,854,000 | 2,520,000 |
| Net income | 753,000 | 1,552,000 | 2,869,000 | 3,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,289,000 | 22,788,000 | 23,805,000 | 24,231,000 |
| Total capital | 24,399,000 | 25,047,000 | 26,089,000 | 26,578,000 |
| Risk-weighted assets | 168,572,000 | 180,653,000 | 182,632,000 | 188,188,000 |