Call reports 2004
COMMUNITY BANK & TRUST COMPANY — 2004
What COMMUNITY BANK & TRUST COMPANY 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 | 140,756,000 | 167,848,000 | 174,108,000 | 178,634,000 |
| Total loans | 119,232,000 | 124,316,000 | 125,639,000 | 130,443,000 |
| Allowance for loan losses | 1,115,000 | 1,872,000 | 1,909,000 | 1,920,000 |
| Securities available for sale | 8,084,000 | 4,036,000 | 6,030,000 | 14,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,574,000 | 125,218,000 | 131,023,000 | 132,826,000 |
| Interest-bearing deposits | 78,451,000 | 87,305,000 | 82,957,000 | 95,814,000 |
| Noninterest-bearing deposits | 34,123,000 | 37,913,000 | 48,066,000 | 37,012,000 |
| Equity capital | 11,027,000 | 27,146,000 | 27,352,000 | 27,942,000 |
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 | 1,841,000 | 1,220,000 | 3,177,000 | 5,338,000 |
| Interest expense | 496,000 | 333,000 | 873,000 | 1,494,000 |
| Net interest income | 1,345,000 | 887,000 | 2,304,000 | 3,844,000 |
| Noninterest income | 339,000 | 225,000 | 591,000 | 876,000 |
| Noninterest expense | 1,178,000 | 824,000 | 2,189,000 | 3,682,000 |
| Provision for loan losses | 308,000 | 52,000 | 139,000 | 259,000 |
| Pretax income | 198,000 | 236,000 | 567,000 | 779,000 |
| Income tax | 0 | 91,000 | 219,000 | 302,000 |
| Net income | 198,000 | 145,000 | 348,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,957,000 | 11,656,000 | 11,909,000 | 12,587,000 |
| Total capital | 12,072,000 | 13,235,000 | 13,502,000 | 14,245,000 |
| Risk-weighted assets | 119,727,000 | 126,053,000 | 127,088,000 | 132,383,000 |