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 | 129,376,000 | 132,649,000 | 131,696,000 | 135,438,000 |
| Total loans | 79,777,000 | 83,829,000 | 82,215,000 | 83,493,000 |
| Allowance for loan losses | 1,731,000 | 1,699,000 | 1,680,000 | 1,586,000 |
| Securities available for sale | 20,406,000 | 20,390,000 | 20,416,000 | 21,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,774,000 | 109,358,000 | 109,460,000 | 113,263,000 |
| Interest-bearing deposits | 92,564,000 | 93,013,000 | 92,081,000 | 94,790,000 |
| Noninterest-bearing deposits | 16,210,000 | 16,344,000 | 17,379,000 | 18,473,000 |
| Equity capital | 15,808,000 | 15,902,000 | 16,037,000 | 15,933,000 |
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 | 1,723,000 | 3,460,000 | 5,133,000 | 6,720,000 |
| Interest expense | 480,000 | 917,000 | 1,320,000 | 1,693,000 |
| Net interest income | 1,243,000 | 2,543,000 | 3,813,000 | 5,027,000 |
| Noninterest income | 268,000 | 559,000 | 981,000 | 1,330,000 |
| Noninterest expense | 1,335,000 | 2,666,000 | 4,058,000 | 5,406,000 |
| Provision for loan losses | 45,000 | 90,000 | 128,000 | 150,000 |
| Pretax income | 131,000 | 346,000 | 608,000 | 801,000 |
| Income tax | 35,000 | 0 | 0 | 0 |
| Net income | 96,000 | 346,000 | 608,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,557,000 | 9,676,000 | 9,912,000 | 9,678,000 |
| Total capital | 10,708,000 | 10,881,000 | 11,080,000 | 10,853,000 |
| Risk-weighted assets | 91,511,000 | 95,917,000 | 93,264,000 | 93,916,000 |