Call reports 2004
COMMUNITY BANK — 2004
What COMMUNITY BANK 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 | 323,130,000 | 329,139,000 | 327,160,000 | 320,781,000 |
| Total loans | 181,367,000 | 197,100,000 | 195,636,000 | 194,373,000 |
| Allowance for loan losses | 9,184,000 | 9,363,000 | 9,574,000 | 10,109,000 |
| Securities available for sale | 99,410,000 | 90,090,000 | 89,397,000 | 85,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,264,000 | 243,772,000 | 231,829,000 | 228,400,000 |
| Interest-bearing deposits | 206,543,000 | 203,572,000 | 191,256,000 | 187,864,000 |
| Noninterest-bearing deposits | 41,721,000 | 40,200,000 | 40,573,000 | 40,536,000 |
| Equity capital | 47,966,000 | 47,428,000 | 45,234,000 | 45,071,000 |
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 | 3,740,000 | 7,714,000 | 11,549,000 | 15,457,000 |
| Interest expense | 828,000 | 1,667,000 | 2,601,000 | 3,620,000 |
| Net interest income | 2,912,000 | 6,047,000 | 8,948,000 | 11,837,000 |
| Noninterest income | 1,683,000 | 3,398,000 | 5,142,000 | 6,706,000 |
| Noninterest expense | 3,552,000 | 6,860,000 | 10,082,000 | 13,460,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 883,000 | 2,275,000 | 3,548,000 | 4,390,000 |
| Income tax | 262,000 | 680,000 | 1,017,000 | 1,277,000 |
| Net income | 621,000 | 1,595,000 | 2,531,000 | 3,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,909,000 | 25,093,000 | 22,044,000 | 22,513,000 |
| Total capital | 26,235,000 | 27,582,000 | 24,502,000 | 24,955,000 |
| Risk-weighted assets | 179,255,000 | 192,251,000 | 189,520,000 | 188,039,000 |
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