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 | 65,040,000 | 64,248,000 | 66,503,000 | 67,359,000 |
| Total loans | 49,669,000 | 53,000,000 | 53,173,000 | 53,301,000 |
| Allowance for loan losses | 497,000 | 534,000 | 542,000 | 533,000 |
| Securities available for sale | 1,312,000 | 874,000 | 665,000 | 1,064,000 |
| Securities held to maturity | 2,736,000 | 3,188,000 | 3,146,000 | 2,228,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,319,000 | 55,704,000 | 58,114,000 | 57,534,000 |
| Interest-bearing deposits | 48,308,000 | 47,183,000 | 48,797,000 | 49,114,000 |
| Noninterest-bearing deposits | 8,011,000 | 8,521,000 | 9,316,000 | 8,420,000 |
| Equity capital | 4,364,000 | 4,588,000 | 4,720,000 | 4,718,000 |
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 | 906,000 | 1,854,000 | 2,790,000 | 3,706,000 |
| Interest expense | 309,000 | 614,000 | 883,000 | 1,158,000 |
| Net interest income | 597,000 | 1,240,000 | 1,907,000 | 2,548,000 |
| Noninterest income | 179,000 | 392,000 | 569,000 | 680,000 |
| Noninterest expense | 556,000 | 1,163,000 | 1,774,000 | 2,389,000 |
| Provision for loan losses | 38,000 | 80,000 | 94,000 | 229,000 |
| Pretax income | 182,000 | 389,000 | 608,000 | 610,000 |
| Income tax | 56,000 | 135,000 | 217,000 | 217,000 |
| Net income | 126,000 | 254,000 | 391,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,345,000 | 4,573,000 | 4,711,000 | 4,712,000 |
| Total capital | 4,842,000 | 5,107,000 | 5,253,000 | 5,245,000 |
| Risk-weighted assets | 48,088,000 | 50,383,000 | 50,142,000 | 50,430,000 |