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 | 313,477,000 | 314,116,000 | 323,798,000 | 326,601,000 |
| Total loans | 204,010,000 | 210,292,000 | 220,035,000 | 216,456,000 |
| Allowance for loan losses | 2,557,000 | 2,673,000 | 2,637,000 | 2,470,000 |
| Securities available for sale | 43,952,000 | 46,749,000 | 45,106,000 | 54,696,000 |
| Securities held to maturity | 2,372,000 | 2,371,000 | 2,369,000 | 2,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,415,000 | 262,125,000 | 272,955,000 | 275,170,000 |
| Interest-bearing deposits | 207,043,000 | 203,024,000 | 212,328,000 | 217,331,000 |
| Noninterest-bearing deposits | 54,372,000 | 59,101,000 | 60,627,000 | 57,839,000 |
| Equity capital | 26,640,000 | 26,258,000 | 26,675,000 | 26,496,000 |
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 | 3,513,000 | 7,074,000 | 10,870,000 | 14,836,000 |
| Interest expense | 1,051,000 | 2,007,000 | 3,011,000 | 4,069,000 |
| Net interest income | 2,462,000 | 5,067,000 | 7,859,000 | 10,767,000 |
| Noninterest income | 580,000 | 1,135,000 | 1,760,000 | 2,334,000 |
| Noninterest expense | 2,517,000 | 4,980,000 | 7,449,000 | 9,899,000 |
| Provision for loan losses | 225,000 | 420,000 | 600,000 | 967,000 |
| Pretax income | 300,000 | 802,000 | 1,570,000 | 2,235,000 |
| Income tax | 56,000 | 185,000 | 404,000 | 591,000 |
| Net income | 244,000 | 617,000 | 1,166,000 | 1,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,720,000 | 21,350,000 | 21,644,000 | 21,679,000 |
| Total capital | 24,277,000 | 24,023,000 | 24,281,000 | 24,149,000 |
| Risk-weighted assets | 211,993,000 | 216,490,000 | 224,422,000 | 223,255,000 |
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