Call reports 2002
COMMUNITY BANK, THE — 2002
What COMMUNITY BANK, THE 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 | 181,019,000 | 182,462,000 | 188,842,000 | 196,705,000 |
| Total loans | 144,612,000 | 145,576,000 | 152,200,000 | 161,293,000 |
| Allowance for loan losses | 2,295,000 | 2,405,000 | 2,567,000 | 2,681,000 |
| Securities available for sale | 22,001,000 | 22,978,000 | 23,273,000 | 22,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,971,000 | 162,706,000 | 165,889,000 | 169,709,000 |
| Interest-bearing deposits | 130,777,000 | 134,260,000 | 137,694,000 | 142,751,000 |
| Noninterest-bearing deposits | 25,194,000 | 28,446,000 | 28,195,000 | 26,958,000 |
| Equity capital | 14,190,000 | 15,070,000 | 16,160,000 | 16,703,000 |
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 | 3,302,000 | 6,643,000 | 10,102,000 | 13,732,000 |
| Interest expense | 1,252,000 | 2,367,000 | 3,397,000 | 4,409,000 |
| Net interest income | 2,050,000 | 4,276,000 | 6,705,000 | 9,323,000 |
| Noninterest income | 280,000 | 516,000 | 833,000 | 1,159,000 |
| Noninterest expense | 1,397,000 | 2,694,000 | 4,120,000 | 5,610,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 783,000 | 1,798,000 | 2,968,000 | 4,272,000 |
| Income tax | 239,000 | 564,000 | 944,000 | 1,377,000 |
| Net income | 544,000 | 1,234,000 | 2,024,000 | 2,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,946,000 | 14,610,000 | 15,400,000 | 16,131,000 |
| Total capital | 15,809,000 | 16,466,000 | 17,363,000 | 18,178,000 |
| Risk-weighted assets | 148,597,000 | 147,951,000 | 156,421,000 | 163,118,000 |