Call reports 2002
COMMUNITY BANK, INC. — 2002
What COMMUNITY BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,071,000 | 94,518,000 | 89,657,000 | 93,146,000 |
| Total loans | 52,986,000 | 54,230,000 | 52,931,000 | 50,967,000 |
| Allowance for loan losses | 1,050,000 | 1,191,000 | 1,162,000 | 845,000 |
| Securities available for sale | 16,149,000 | 13,211,000 | 16,627,000 | 19,475,000 |
| Securities held to maturity | 1,717,000 | 1,713,000 | 1,505,000 | 1,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,639,000 | 79,300,000 | 73,894,000 | 77,257,000 |
| Interest-bearing deposits | 52,762,000 | 61,870,000 | 51,935,000 | 55,533,000 |
| Noninterest-bearing deposits | 15,877,000 | 17,430,000 | 21,959,000 | 21,724,000 |
| Equity capital | 9,350,000 | 9,289,000 | 9,482,000 | 9,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,015,000 | 4,476,000 | 5,868,000 |
| Interest expense | 453,000 | 863,000 | 1,256,000 | 1,621,000 |
| Net interest income | 1,089,000 | 2,152,000 | 3,220,000 | 4,247,000 |
| Noninterest income | 233,000 | 457,000 | 670,000 | 891,000 |
| Noninterest expense | 971,000 | 1,936,000 | 2,915,000 | 3,984,000 |
| Provision for loan losses | 216,000 | 434,000 | 437,000 | 437,000 |
| Pretax income | 138,000 | 242,000 | 541,000 | 724,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 242,000 | 541,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,233,000 | 9,111,000 | 9,279,000 | 9,459,000 |
| Total capital | 9,978,000 | 9,898,000 | 10,041,000 | 10,206,000 |
| Risk-weighted assets | 59,298,000 | 62,570,000 | 60,523,000 | 59,669,000 |