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 | 267,701,000 | 267,605,000 | 279,068,000 | 282,985,000 |
| Total loans | 181,688,000 | 188,277,000 | 200,324,000 | 201,498,000 |
| Allowance for loan losses | 2,064,000 | 2,037,000 | 2,143,000 | 2,366,000 |
| Securities available for sale | 53,607,000 | 46,366,000 | 46,098,000 | 46,920,000 |
| Securities held to maturity | 2,626,000 | 2,375,000 | 2,374,000 | 2,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,383,000 | 214,317,000 | 226,186,000 | 228,014,000 |
| Interest-bearing deposits | 167,778,000 | 162,696,000 | 172,530,000 | 177,314,000 |
| Noninterest-bearing deposits | 46,604,000 | 51,621,000 | 53,656,000 | 50,700,000 |
| Equity capital | 26,427,000 | 26,312,000 | 26,518,000 | 26,402,000 |
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 | 3,583,000 | 7,180,000 | 10,633,000 | 14,182,000 |
| Interest expense | 1,129,000 | 2,221,000 | 3,208,000 | 4,194,000 |
| Net interest income | 2,454,000 | 4,959,000 | 7,425,000 | 9,988,000 |
| Noninterest income | 469,000 | 1,041,000 | 1,532,000 | 2,094,000 |
| Noninterest expense | 2,188,000 | 4,498,000 | 6,712,000 | 9,047,000 |
| Provision for loan losses | 120,000 | 622,000 | 802,000 | 1,072,000 |
| Pretax income | 615,000 | 880,000 | 1,443,000 | 1,963,000 |
| Income tax | 164,000 | 204,000 | 353,000 | 487,000 |
| Net income | 451,000 | 676,000 | 1,090,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,094,000 | 24,914,000 | 25,375,000 | 25,359,000 |
| Total capital | 27,158,000 | 26,951,000 | 27,518,000 | 27,725,000 |
| Risk-weighted assets | 190,263,000 | 197,539,000 | 202,796,000 | 205,155,000 |
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