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 | 76,303,000 | 79,363,000 | 79,733,000 | 80,252,000 |
| Total loans | 52,132,000 | 52,566,000 | 53,016,000 | 52,638,000 |
| Allowance for loan losses | 590,000 | 778,000 | 778,000 | 642,000 |
| Securities available for sale | 17,800,000 | 19,779,000 | 20,228,000 | 22,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,080,000 | 61,666,000 | 61,956,000 | 62,087,000 |
| Interest-bearing deposits | 55,636,000 | 56,459,000 | 57,061,000 | 56,956,000 |
| Noninterest-bearing deposits | 4,444,000 | 5,207,000 | 4,895,000 | 5,131,000 |
| Equity capital | 9,378,000 | 9,822,000 | 9,931,000 | 10,233,000 |
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 | 1,091,000 | 2,194,000 | 3,286,000 | 4,396,000 |
| Interest expense | 522,000 | 1,010,000 | 1,480,000 | 1,937,000 |
| Net interest income | 569,000 | 1,184,000 | 1,806,000 | 2,459,000 |
| Noninterest income | 109,000 | 541,000 | 637,000 | 766,000 |
| Noninterest expense | 492,000 | 812,000 | 1,150,000 | 1,530,000 |
| Provision for loan losses | 23,000 | 221,000 | 221,000 | 221,000 |
| Pretax income | 207,000 | 736,000 | 1,116,000 | 1,518,000 |
| Income tax | 54,000 | 109,000 | 228,000 | 328,000 |
| Net income | 153,000 | 627,000 | 888,000 | 1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,994,000 | 9,426,000 | 9,686,000 | 9,956,000 |
| Total capital | 9,584,000 | 10,108,000 | 10,377,000 | 10,598,000 |
| Risk-weighted assets | 53,433,000 | 54,459,000 | 55,281,000 | 55,229,000 |