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 | 67,577,000 | 71,139,000 | 69,119,000 | 69,357,000 |
| Total loans | 56,650,000 | 61,387,000 | 59,682,000 | 59,777,000 |
| Allowance for loan losses | 567,000 | 614,000 | 611,000 | 598,000 |
| Securities available for sale | 1,165,000 | 1,146,000 | 1,346,000 | 1,887,000 |
| Securities held to maturity | 1,920,000 | 1,913,000 | 1,460,000 | 1,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,335,000 | 57,303,000 | 57,758,000 | 56,333,000 |
| Interest-bearing deposits | 47,654,000 | 47,165,000 | 48,308,000 | 47,312,000 |
| Noninterest-bearing deposits | 8,681,000 | 10,138,000 | 9,450,000 | 9,021,000 |
| Equity capital | 4,859,000 | 5,202,000 | 5,321,000 | 5,381,000 |
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 | 913,000 | 1,930,000 | 2,941,000 | 3,922,000 |
| Interest expense | 268,000 | 532,000 | 820,000 | 1,107,000 |
| Net interest income | 645,000 | 1,398,000 | 2,121,000 | 2,815,000 |
| Noninterest income | 113,000 | 254,000 | 385,000 | 519,000 |
| Noninterest expense | 632,000 | 1,311,000 | 1,975,000 | 2,636,000 |
| Provision for loan losses | 37,000 | 83,000 | 83,000 | 697,000 |
| Pretax income | 89,000 | 258,000 | 448,000 | 1,000 |
| Income tax | 24,000 | 89,000 | 161,000 | 0 |
| Net income | 65,000 | 169,000 | 287,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,852,000 | 5,206,000 | 5,324,000 | 5,388,000 |
| Total capital | 5,419,000 | 5,820,000 | 5,935,000 | 5,986,000 |
| Risk-weighted assets | 53,066,000 | 57,432,000 | 56,132,000 | 56,745,000 |