Call reports 2003
COMMUNITY BANK AND TRUST, SSB — 2003
What COMMUNITY BANK AND TRUST, SSB 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 | 960,757,000 | 1,058,591,000 | 1,103,691,000 | 1,151,543,000 |
| Total loans | 653,354,000 | 658,923,000 | 696,112,000 | 691,425,000 |
| Allowance for loan losses | 9,749,000 | 9,585,000 | 10,634,000 | 9,563,000 |
| Securities available for sale | 92,903,000 | 96,291,000 | 110,926,000 | 126,927,000 |
| Securities held to maturity | 46,243,000 | 48,138,000 | 47,711,000 | 48,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 846,454,000 | 943,855,000 | 981,199,000 | 1,041,157,000 |
| Interest-bearing deposits | 779,430,000 | 887,537,000 | 933,472,000 | 990,349,000 |
| Noninterest-bearing deposits | 67,024,000 | 56,318,000 | 47,727,000 | 50,808,000 |
| Equity capital | 106,504,000 | 108,052,000 | 115,298,000 | 104,082,000 |
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 | 12,163,000 | 24,520,000 | 37,134,000 | 50,003,000 |
| Interest expense | 2,588,000 | 5,017,000 | 7,519,000 | 10,034,000 |
| Net interest income | 9,575,000 | 19,503,000 | 29,615,000 | 39,969,000 |
| Noninterest income | 4,375,000 | 9,105,000 | 14,427,000 | 19,787,000 |
| Noninterest expense | 8,488,000 | 17,416,000 | 26,833,000 | 37,512,000 |
| Provision for loan losses | 1,500,000 | 2,800,000 | 3,700,000 | 3,547,000 |
| Pretax income | 3,974,000 | 8,404,000 | 13,664,000 | 19,037,000 |
| Income tax | 1,191,000 | 2,535,000 | 4,166,000 | 5,844,000 |
| Net income | 2,783,000 | 5,869,000 | 9,498,000 | 13,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,382,000 | 84,091,000 | 85,281,000 | 74,190,000 |
| Total capital | 91,390,000 | 93,464,000 | 95,288,000 | 83,753,000 |
| Risk-weighted assets | 719,932,000 | 749,623,000 | 799,900,000 | 812,301,000 |