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 | 73,633,000 | 74,353,000 | 77,793,000 | 78,883,000 |
| Total loans | 52,104,000 | 52,645,000 | 53,045,000 | 51,921,000 |
| Allowance for loan losses | 1,035,000 | 1,071,000 | 1,064,000 | 975,000 |
| Securities available for sale | 15,166,000 | 14,212,000 | 15,128,000 | 20,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,711,000 | 65,487,000 | 68,813,000 | 71,291,000 |
| Interest-bearing deposits | 58,159,000 | 57,726,000 | 61,953,000 | 63,805,000 |
| Noninterest-bearing deposits | 6,552,000 | 7,761,000 | 6,860,000 | 7,486,000 |
| Equity capital | 6,827,000 | 6,853,000 | 7,026,000 | 7,317,000 |
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 | 1,119,000 | 2,159,000 | 3,224,000 | 4,283,000 |
| Interest expense | 350,000 | 699,000 | 1,032,000 | 1,362,000 |
| Net interest income | 769,000 | 1,460,000 | 2,192,000 | 2,921,000 |
| Noninterest income | 109,000 | 236,000 | 380,000 | 524,000 |
| Noninterest expense | 458,000 | 921,000 | 1,370,000 | 1,869,000 |
| Provision for loan losses | 60,000 | 433,000 | 433,000 | 453,000 |
| Pretax income | 360,000 | 342,000 | 769,000 | 1,123,000 |
| Income tax | 135,000 | 120,000 | 264,000 | 344,000 |
| Net income | 225,000 | 222,000 | 505,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,638,000 | 6,635,000 | 6,918,000 | 7,192,000 |
| Total capital | 7,248,000 | 7,260,000 | 7,538,000 | 7,811,000 |
| Risk-weighted assets | 48,338,000 | 49,517,000 | 49,185,000 | 49,192,000 |