Call reports 2001
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2001
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 197,261,000 | 204,912,000 | 208,470,000 | 207,248,000 |
| Total loans | 151,807,000 | 156,069,000 | 160,206,000 | 161,801,000 |
| Allowance for loan losses | 1,485,000 | 1,525,000 | 1,577,000 | 1,637,000 |
| Securities available for sale | 21,615,000 | 22,745,000 | 22,132,000 | 23,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,679,000 | 183,729,000 | 192,502,000 | 190,961,000 |
| Interest-bearing deposits | 152,075,000 | 161,196,000 | 181,721,000 | 166,197,000 |
| Noninterest-bearing deposits | 21,604,000 | 22,533,000 | 10,781,000 | 24,764,000 |
| Equity capital | 12,587,000 | 14,293,000 | 14,971,000 | 15,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,771,000 | 7,370,000 | 10,875,000 | 14,178,000 |
| Interest expense | 1,937,000 | 3,598,000 | 5,162,000 | 6,456,000 |
| Net interest income | 1,834,000 | 3,772,000 | 5,713,000 | 7,722,000 |
| Noninterest income | 312,000 | 593,000 | 911,000 | 1,254,000 |
| Noninterest expense | 1,489,000 | 2,994,000 | 4,558,000 | 6,319,000 |
| Provision for loan losses | 119,000 | 159,000 | 219,000 | 279,000 |
| Pretax income | 538,000 | 1,213,000 | 1,848,000 | 2,379,000 |
| Income tax | 186,000 | 418,000 | 636,000 | 819,000 |
| Net income | 352,000 | 795,000 | 1,212,000 | 1,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,580,000 | 14,321,000 | 14,746,000 | 15,093,000 |
| Total capital | 14,065,000 | 15,846,000 | 16,323,000 | 16,710,000 |
| Risk-weighted assets | 122,302,000 | 125,442,000 | 128,460,000 | 129,325,000 |