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 | 58,563,000 | 62,583,000 | 62,323,000 | 67,667,000 |
| Total loans | 34,546,000 | 36,081,000 | 39,504,000 | 40,707,000 |
| Allowance for loan losses | 571,000 | 692,000 | 781,000 | 773,000 |
| Securities available for sale | 13,143,000 | 16,881,000 | 14,859,000 | 16,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,649,000 | 54,486,000 | 54,396,000 | 59,769,000 |
| Interest-bearing deposits | 43,922,000 | 47,920,000 | 48,206,000 | 53,143,000 |
| Noninterest-bearing deposits | 6,727,000 | 6,566,000 | 6,190,000 | 6,626,000 |
| Equity capital | 7,671,000 | 7,865,000 | 7,696,000 | 7,689,000 |
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 | 812,000 | 1,626,000 | 2,436,000 | 3,277,000 |
| Interest expense | 267,000 | 526,000 | 774,000 | 1,021,000 |
| Net interest income | 545,000 | 1,100,000 | 1,662,000 | 2,256,000 |
| Noninterest income | 86,000 | 167,000 | 256,000 | 342,000 |
| Noninterest expense | 463,000 | 919,000 | 1,405,000 | 1,923,000 |
| Provision for loan losses | 78,000 | 200,000 | 297,000 | 320,000 |
| Pretax income | 90,000 | 148,000 | 218,000 | 357,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 18,000 |
| Net income | 86,000 | 140,000 | 206,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,260,000 | 5,317,000 | 5,385,000 | 5,371,000 |
| Total capital | 5,761,000 | 5,831,000 | 5,926,000 | 5,941,000 |
| Risk-weighted assets | 40,047,000 | 40,945,000 | 43,074,000 | 45,421,000 |