Call reports 2004
COMMUNITY BANK, THE — 2004
What COMMUNITY BANK, THE 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 | 273,542,000 | 277,699,000 | 290,402,000 | 310,444,000 |
| Total loans | 239,690,000 | 233,819,000 | 247,399,000 | 276,052,000 |
| Allowance for loan losses | 3,755,000 | 3,529,000 | 4,113,000 | 4,392,000 |
| Securities available for sale | 22,119,000 | 21,663,000 | 22,223,000 | 22,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,756,000 | 240,115,000 | 249,970,000 | 265,585,000 |
| Interest-bearing deposits | 200,502,000 | 196,962,000 | 213,913,000 | 232,730,000 |
| Noninterest-bearing deposits | 32,254,000 | 43,153,000 | 36,057,000 | 32,856,000 |
| Equity capital | 31,419,000 | 32,516,000 | 34,623,000 | 35,058,000 |
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 | 4,801,000 | 9,798,000 | 15,200,000 | 20,722,000 |
| Interest expense | 969,000 | 1,995,000 | 3,122,000 | 4,390,000 |
| Net interest income | 3,832,000 | 7,803,000 | 12,078,000 | 16,332,000 |
| Noninterest income | 284,000 | 571,000 | 1,467,000 | 1,836,000 |
| Noninterest expense | 1,546,000 | 3,041,000 | 4,678,000 | 6,601,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,270,000 | 4,733,000 | 7,967,000 | 10,367,000 |
| Income tax | 779,000 | 1,374,000 | 2,793,000 | 3,597,000 |
| Net income | 1,491,000 | 3,359,000 | 5,174,000 | 6,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,554,000 | 32,313,000 | 34,003,000 | 34,457,000 |
| Total capital | 34,059,000 | 35,842,000 | 37,161,000 | 37,945,000 |
| Risk-weighted assets | 280,156,000 | 282,803,000 | 251,697,000 | 278,115,000 |