Call reports 2003
COMMUNITY BANK — 2003
What COMMUNITY BANK 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 | 302,833,000 | 304,919,000 | 328,387,000 | 346,566,000 |
| Total loans | 204,894,000 | 192,068,000 | 198,945,000 | 198,427,000 |
| Allowance for loan losses | 6,344,000 | 5,894,000 | 5,872,000 | 8,666,000 |
| Securities available for sale | 63,935,000 | 86,948,000 | 104,116,000 | 102,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,751,000 | 255,474,000 | 278,417,000 | 274,534,000 |
| Interest-bearing deposits | 211,782,000 | 213,571,000 | 236,032,000 | 224,122,000 |
| Noninterest-bearing deposits | 39,968,000 | 41,902,000 | 42,385,000 | 50,412,000 |
| Equity capital | 27,350,000 | 28,336,000 | 28,802,000 | 46,934,000 |
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 | 4,316,000 | 8,329,000 | 12,291,000 | 1,386,000 |
| Interest expense | 1,293,000 | 2,520,000 | 3,613,000 | 331,000 |
| Net interest income | 3,023,000 | 5,809,000 | 8,678,000 | 1,055,000 |
| Noninterest income | 1,631,000 | 3,441,000 | 5,292,000 | 597,000 |
| Noninterest expense | 3,252,000 | 6,719,000 | 9,917,000 | 1,217,000 |
| Provision for loan losses | 225,000 | 375,000 | 525,000 | 50,000 |
| Pretax income | 1,320,000 | 2,392,000 | 3,818,000 | 385,000 |
| Income tax | 304,000 | 537,000 | 902,000 | 109,000 |
| Net income | 1,016,000 | 1,855,000 | 2,916,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,337,000 | 25,541,000 | 27,312,000 | 22,632,000 |
| Total capital | 27,899,000 | 28,009,000 | 29,888,000 | 25,184,000 |
| Risk-weighted assets | 201,190,000 | 194,058,000 | 202,774,000 | 198,011,000 |