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 | 79,731,000 | 78,567,000 | 81,381,000 | 81,461,000 |
| Total loans | 53,784,000 | 52,323,000 | 52,080,000 | 53,672,000 |
| Allowance for loan losses | 915,000 | 891,000 | 970,000 | 851,000 |
| Securities available for sale | 19,544,000 | 20,183,000 | 22,021,000 | 21,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,264,000 | 69,407,000 | 71,599,000 | 71,719,000 |
| Interest-bearing deposits | 64,030,000 | 62,384,000 | 64,434,000 | 63,360,000 |
| Noninterest-bearing deposits | 6,234,000 | 7,023,000 | 7,165,000 | 8,359,000 |
| Equity capital | 7,678,000 | 7,515,000 | 7,918,000 | 8,069,000 |
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 | 1,072,000 | 2,132,000 | 3,201,000 | 4,281,000 |
| Interest expense | 312,000 | 619,000 | 942,000 | 1,287,000 |
| Net interest income | 760,000 | 1,513,000 | 2,259,000 | 2,994,000 |
| Noninterest income | 123,000 | 161,000 | 274,000 | 333,000 |
| Noninterest expense | 496,000 | 955,000 | 1,404,000 | 1,914,000 |
| Provision for loan losses | 65,000 | 140,000 | 215,000 | 215,000 |
| Pretax income | 358,000 | 615,000 | 950,000 | 1,234,000 |
| Income tax | 81,000 | 148,000 | 284,000 | 332,000 |
| Net income | 277,000 | 467,000 | 666,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,469,000 | 7,660,000 | 7,859,000 | 8,095,000 |
| Total capital | 8,100,000 | 8,280,000 | 8,480,000 | 8,729,000 |
| Risk-weighted assets | 50,227,000 | 49,318,000 | 49,336,000 | 50,465,000 |