Call reports 2003
COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 84,259,000 | 83,801,000 | 80,347,000 | 78,537,000 |
| Total loans | 49,895,000 | 46,418,000 | 46,846,000 | 48,856,000 |
| Allowance for loan losses | 1,512,000 | 1,514,000 | 1,555,000 | 1,539,000 |
| Securities available for sale | 10,031,000 | 9,677,000 | 12,309,000 | 17,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,047,000 | 76,804,000 | 73,001,000 | 70,992,000 |
| Interest-bearing deposits | 65,727,000 | 65,679,000 | 63,377,000 | 60,200,000 |
| Noninterest-bearing deposits | 11,320,000 | 11,125,000 | 9,624,000 | 10,792,000 |
| Equity capital | 6,703,000 | 6,096,000 | 6,096,000 | 6,178,000 |
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 | 1,109,000 | 821,000 | 1,920,000 | 2,861,000 |
| Interest expense | 507,000 | 328,000 | 740,000 | 1,125,000 |
| Net interest income | 602,000 | 493,000 | 1,180,000 | 1,736,000 |
| Noninterest income | 228,000 | 132,000 | 385,000 | 667,000 |
| Noninterest expense | 780,000 | 532,000 | 1,402,000 | 2,096,000 |
| Provision for loan losses | 0 | 100,000 | 210,000 | 295,000 |
| Pretax income | 51,000 | -7,000 | 42,000 | 101,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 51,000 | -7,000 | 42,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,452,000 | 6,015,000 | 6,064,000 | 6,122,000 |
| Total capital | 7,137,000 | 6,660,000 | 6,724,000 | 6,798,000 |
| Risk-weighted assets | 53,977,000 | 50,740,000 | 51,907,000 | 53,190,000 |