Call reports 2003
COMMUNITY BANK, THE — 2003
What COMMUNITY BANK, THE 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 | 224,121,000 | 248,040,000 | 234,555,000 | 251,126,000 |
| Total loans | 190,270,000 | 196,307,000 | 199,639,000 | 215,471,000 |
| Allowance for loan losses | 2,906,000 | 3,114,000 | 3,264,000 | 3,452,000 |
| Securities available for sale | 21,991,000 | 21,261,000 | 20,246,000 | 21,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,222,000 | 208,095,000 | 199,185,000 | 212,645,000 |
| Interest-bearing deposits | 164,830,000 | 177,038,000 | 161,093,000 | 177,237,000 |
| Noninterest-bearing deposits | 29,392,000 | 31,057,000 | 38,092,000 | 35,408,000 |
| Equity capital | 18,056,000 | 28,705,000 | 29,548,000 | 29,753,000 |
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 | 4,039,000 | 8,429,000 | 12,807,000 | 17,097,000 |
| Interest expense | 964,000 | 1,947,000 | 2,876,000 | 3,735,000 |
| Net interest income | 3,075,000 | 6,482,000 | 9,931,000 | 13,362,000 |
| Noninterest income | 302,000 | 638,000 | 997,000 | 1,273,000 |
| Noninterest expense | 1,534,000 | 3,022,000 | 4,595,000 | 6,711,000 |
| Provision for loan losses | 210,000 | 415,000 | 625,000 | 850,000 |
| Pretax income | 1,633,000 | 3,683,000 | 5,708,000 | 7,074,000 |
| Income tax | 530,000 | 1,204,000 | 1,886,000 | 2,387,000 |
| Net income | 1,103,000 | 2,479,000 | 3,822,000 | 4,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,234,000 | 27,716,000 | 29,059,000 | 29,174,000 |
| Total capital | 19,615,000 | 30,204,000 | 31,557,000 | 32,342,000 |
| Risk-weighted assets | 190,168,000 | 198,349,000 | 199,103,000 | 253,134,000 |