Call reports 2003
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2003
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE 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 | 220,209,000 | 232,851,000 | 244,315,000 | 237,247,000 |
| Total loans | 165,689,000 | 174,172,000 | 194,801,000 | 188,228,000 |
| Allowance for loan losses | 1,660,000 | 1,696,000 | 1,741,000 | 1,817,000 |
| Securities available for sale | 29,428,000 | 31,330,000 | 32,552,000 | 26,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,758,000 | 213,713,000 | 220,868,000 | 211,024,000 |
| Interest-bearing deposits | 172,432,000 | 185,625,000 | 189,478,000 | 181,510,000 |
| Noninterest-bearing deposits | 28,326,000 | 28,088,000 | 31,390,000 | 29,514,000 |
| Equity capital | 17,397,000 | 17,936,000 | 21,523,000 | 21,726,000 |
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 | 2,836,000 | 5,587,000 | 8,340,000 | 11,169,000 |
| Interest expense | 824,000 | 1,650,000 | 2,490,000 | 3,275,000 |
| Net interest income | 2,012,000 | 3,937,000 | 5,850,000 | 7,894,000 |
| Noninterest income | 522,000 | 1,124,000 | 1,486,000 | 1,864,000 |
| Noninterest expense | 1,834,000 | 3,634,000 | 5,483,000 | 7,393,000 |
| Provision for loan losses | 15,000 | 50,000 | 95,000 | 140,000 |
| Pretax income | 740,000 | 1,545,000 | 1,926,000 | 2,423,000 |
| Income tax | 547,000 | 721,000 | 859,000 | 1,013,000 |
| Net income | 193,000 | 824,000 | 1,067,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,073,000 | 17,704,000 | 21,448,000 | 21,740,000 |
| Total capital | 18,616,000 | 19,321,000 | 23,234,000 | 23,522,000 |
| Risk-weighted assets | 123,303,000 | 129,264,000 | 142,865,000 | 142,444,000 |