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 | 136,619,000 | 141,698,000 | 146,599,000 | 148,057,000 |
| Total loans | 86,408,000 | 89,737,000 | 86,924,000 | 87,485,000 |
| Allowance for loan losses | 1,607,000 | 1,635,000 | 1,523,000 | 1,447,000 |
| Securities available for sale | 16,030,000 | 18,453,000 | 21,789,000 | 24,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,096,000 | 118,645,000 | 121,762,000 | 124,637,000 |
| Interest-bearing deposits | 96,466,000 | 99,906,000 | 101,905,000 | 107,430,000 |
| Noninterest-bearing deposits | 17,630,000 | 18,740,000 | 19,857,000 | 17,207,000 |
| Equity capital | 16,182,000 | 16,190,000 | 16,417,000 | 15,965,000 |
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 | 1,548,000 | 3,183,000 | 4,847,000 | 6,603,000 |
| Interest expense | 339,000 | 670,000 | 1,031,000 | 1,417,000 |
| Net interest income | 1,209,000 | 2,513,000 | 3,816,000 | 5,186,000 |
| Noninterest income | 303,000 | 663,000 | 1,022,000 | 1,427,000 |
| Noninterest expense | 1,282,000 | 2,627,000 | 3,932,000 | 5,314,000 |
| Provision for loan losses | 35,000 | 58,000 | 80,000 | 108,000 |
| Pretax income | 195,000 | 491,000 | 826,000 | 1,191,000 |
| Income tax | 0 | 0 | 0 | 340,000 |
| Net income | 195,000 | 491,000 | 826,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,065,000 | 10,262,000 | 10,397,000 | 10,001,000 |
| Total capital | 11,309,000 | 11,524,000 | 11,665,000 | 11,213,000 |
| Risk-weighted assets | 99,146,000 | 100,559,000 | 101,198,000 | 96,709,000 |