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 | 52,146,000 | 51,224,000 | 50,776,000 | 50,276,000 |
| Total loans | 28,018,000 | 30,052,000 | 29,977,000 | 28,966,000 |
| Allowance for loan losses | 412,000 | 424,000 | 415,000 | 422,000 |
| Securities available for sale | 4,811,000 | 3,602,000 | 3,503,000 | 3,370,000 |
| Securities held to maturity | 6,989,000 | 6,479,000 | 5,752,000 | 5,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,186,000 | 46,062,000 | 45,737,000 | 45,647,000 |
| Interest-bearing deposits | 40,574,000 | 39,523,000 | 39,200,000 | 38,793,000 |
| Noninterest-bearing deposits | 6,612,000 | 6,539,000 | 6,537,000 | 6,854,000 |
| Equity capital | 3,666,000 | 3,869,000 | 3,744,000 | 3,454,000 |
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 | 773,000 | 1,543,000 | 2,293,000 | 3,011,000 |
| Interest expense | 196,000 | 379,000 | 544,000 | 700,000 |
| Net interest income | 577,000 | 1,164,000 | 1,749,000 | 2,311,000 |
| Noninterest income | 153,000 | 334,000 | 488,000 | 646,000 |
| Noninterest expense | 449,000 | 894,000 | 1,328,000 | 1,779,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 276,000 | 599,000 | 904,000 | 1,173,000 |
| Income tax | 95,000 | 204,000 | 310,000 | 401,000 |
| Net income | 181,000 | 395,000 | 594,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,570,000 | 3,784,000 | 3,683,000 | 3,411,000 |
| Total capital | 3,933,000 | 4,172,000 | 4,070,000 | 3,782,000 |
| Risk-weighted assets | 29,310,000 | 31,001,000 | 30,605,000 | 29,622,000 |