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 | 55,294,000 | 54,650,000 | 52,006,000 | 52,748,000 |
| Total loans | 28,783,000 | 31,453,000 | 33,347,000 | 33,055,000 |
| Allowance for loan losses | 428,000 | 433,000 | 412,000 | 381,000 |
| Securities available for sale | 2,322,000 | 2,277,000 | 1,127,000 | 119,000 |
| Securities held to maturity | 5,222,000 | 3,515,000 | 3,785,000 | 3,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,360,000 | 49,598,000 | 47,044,000 | 48,084,000 |
| Interest-bearing deposits | 43,379,000 | 41,743,000 | 39,188,000 | 39,171,000 |
| Noninterest-bearing deposits | 6,981,000 | 7,855,000 | 7,856,000 | 8,913,000 |
| Equity capital | 3,652,000 | 3,848,000 | 3,744,000 | 3,519,000 |
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 | 708,000 | 1,431,000 | 2,177,000 | 2,932,000 |
| Interest expense | 148,000 | 290,000 | 435,000 | 593,000 |
| Net interest income | 560,000 | 1,141,000 | 1,742,000 | 2,339,000 |
| Noninterest income | 181,000 | 367,000 | 526,000 | 691,000 |
| Noninterest expense | 438,000 | 881,000 | 1,322,000 | 1,811,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 303,000 | 627,000 | 948,000 | 1,217,000 |
| Income tax | 90,000 | 204,000 | 320,000 | 412,000 |
| Net income | 213,000 | 423,000 | 628,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,625,000 | 3,834,000 | 3,740,000 | 3,516,000 |
| Total capital | 4,008,000 | 4,240,000 | 4,152,000 | 3,897,000 |
| Risk-weighted assets | 30,620,000 | 32,453,000 | 33,177,000 | 33,352,000 |