Call reports 2002
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2002
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 210,939,000 | 211,179,000 | 217,866,000 | 215,823,000 |
| Total loans | 158,542,000 | 151,522,000 | 148,205,000 | 157,555,000 |
| Allowance for loan losses | 1,677,000 | 1,629,000 | 1,645,000 | 1,659,000 |
| Securities available for sale | 27,131,000 | 33,342,000 | 45,383,000 | 39,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,831,000 | 194,188,000 | 200,252,000 | 195,360,000 |
| Interest-bearing deposits | 169,053,000 | 168,593,000 | 170,781,000 | 170,000,000 |
| Noninterest-bearing deposits | 25,778,000 | 25,595,000 | 29,471,000 | 25,360,000 |
| Equity capital | 15,408,000 | 16,249,000 | 16,899,000 | 17,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,110,000 | 6,164,000 | 9,052,000 | 11,954,000 |
| Interest expense | 1,075,000 | 2,091,000 | 3,085,000 | 4,008,000 |
| Net interest income | 2,035,000 | 4,073,000 | 5,967,000 | 7,946,000 |
| Noninterest income | 301,000 | 721,000 | 1,170,000 | 1,729,000 |
| Noninterest expense | 1,734,000 | 3,364,000 | 5,129,000 | 6,901,000 |
| Provision for loan losses | 40,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 562,000 | 1,380,000 | 1,943,000 | 2,700,000 |
| Income tax | 193,000 | 474,000 | 668,000 | 928,000 |
| Net income | 369,000 | 906,000 | 1,275,000 | 1,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,457,000 | 15,998,000 | 16,367,000 | 16,881,000 |
| Total capital | 17,029,000 | 17,530,000 | 17,858,000 | 18,368,000 |
| Risk-weighted assets | 125,670,000 | 122,381,000 | 119,040,000 | 118,740,000 |