Call reports 2004
COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 77,012,000 | 76,559,000 | 78,094,000 | 78,856,000 |
| Total loans | 49,017,000 | 49,952,000 | 50,691,000 | 50,095,000 |
| Allowance for loan losses | 1,536,000 | 1,498,000 | 1,395,000 | 1,419,000 |
| Securities available for sale | 17,563,000 | 17,132,000 | 16,824,000 | 19,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,348,000 | 68,196,000 | 69,952,000 | 70,698,000 |
| Interest-bearing deposits | 58,522,000 | 58,305,000 | 59,574,000 | 59,018,000 |
| Noninterest-bearing deposits | 10,826,000 | 9,891,000 | 10,378,000 | 11,680,000 |
| Equity capital | 6,397,000 | 6,342,000 | 6,680,000 | 6,642,000 |
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 | 941,000 | 1,889,000 | 2,915,000 | 3,919,000 |
| Interest expense | 339,000 | 683,000 | 1,031,000 | 1,386,000 |
| Net interest income | 602,000 | 1,206,000 | 1,884,000 | 2,533,000 |
| Noninterest income | 199,000 | 426,000 | 630,000 | 1,168,000 |
| Noninterest expense | 630,000 | 1,278,000 | 1,953,000 | 2,907,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 75,000 |
| Pretax income | 156,000 | 301,000 | 508,000 | 681,000 |
| Income tax | 0 | 0 | 0 | 108,000 |
| Net income | 156,000 | 301,000 | 508,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,278,000 | 6,424,000 | 6,630,000 | 6,660,000 |
| Total capital | 6,930,000 | 7,096,000 | 7,305,000 | 7,331,000 |
| Risk-weighted assets | 51,301,000 | 52,970,000 | 53,267,000 | 52,923,000 |