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 | 63,432,000 | 61,191,000 | 58,798,000 | 64,942,000 |
| Total loans | 40,809,000 | 40,929,000 | 41,792,000 | 41,744,000 |
| Allowance for loan losses | 842,000 | 767,000 | 850,000 | 834,000 |
| Securities available for sale | 14,649,000 | 12,774,000 | 9,797,000 | 11,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,456,000 | 52,552,000 | 49,322,000 | 56,913,000 |
| Interest-bearing deposits | 49,234,000 | 46,099,000 | 42,277,000 | 48,703,000 |
| Noninterest-bearing deposits | 6,222,000 | 6,453,000 | 7,045,000 | 8,210,000 |
| Equity capital | 7,794,000 | 7,548,000 | 7,802,000 | 7,865,000 |
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 | 817,000 | 1,617,000 | 2,444,000 | 3,242,000 |
| Interest expense | 227,000 | 438,000 | 628,000 | 817,000 |
| Net interest income | 590,000 | 1,179,000 | 1,816,000 | 2,425,000 |
| Noninterest income | 83,000 | 160,000 | 247,000 | 326,000 |
| Noninterest expense | 485,000 | 938,000 | 1,452,000 | 1,956,000 |
| Provision for loan losses | 172,000 | 295,000 | 317,000 | 340,000 |
| Pretax income | 16,000 | 106,000 | 266,000 | 424,000 |
| Income tax | 1,000 | 0 | 8,000 | 23,000 |
| Net income | 15,000 | 106,000 | 258,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,389,000 | 5,483,000 | 5,563,000 | 5,709,000 |
| Total capital | 5,950,000 | 6,032,000 | 6,113,000 | 6,274,000 |
| Risk-weighted assets | 44,560,000 | 43,690,000 | 43,733,000 | 44,967,000 |