Call reports 2004
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2004
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE 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 | 240,225,000 | 258,250,000 | 275,829,000 | 278,481,000 |
| Total loans | 195,192,000 | 210,940,000 | 225,910,000 | 232,590,000 |
| Allowance for loan losses | 1,821,000 | 1,917,000 | 1,992,000 | 2,149,000 |
| Securities available for sale | 25,910,000 | 28,930,000 | 29,427,000 | 27,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,071,000 | 224,156,000 | 231,268,000 | 229,199,000 |
| Interest-bearing deposits | 181,249,000 | 189,659,000 | 194,348,000 | 195,007,000 |
| Noninterest-bearing deposits | 28,822,000 | 34,497,000 | 36,920,000 | 34,192,000 |
| Equity capital | 22,063,000 | 21,992,000 | 22,485,000 | 22,755,000 |
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 | 2,775,000 | 5,828,000 | 9,081,000 | 12,506,000 |
| Interest expense | 710,000 | 1,439,000 | 2,266,000 | 3,182,000 |
| Net interest income | 2,065,000 | 4,389,000 | 6,815,000 | 9,324,000 |
| Noninterest income | 377,000 | 759,000 | 1,145,000 | 1,486,000 |
| Noninterest expense | 1,856,000 | 3,787,000 | 5,818,000 | 7,851,000 |
| Provision for loan losses | 45,000 | 140,000 | 300,000 | 460,000 |
| Pretax income | 563,000 | 1,243,000 | 1,864,000 | 2,521,000 |
| Income tax | 181,000 | 411,000 | 616,000 | 836,000 |
| Net income | 382,000 | 832,000 | 1,248,000 | 1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,923,000 | 22,281,000 | 22,605,000 | 22,950,000 |
| Total capital | 23,784,000 | 24,246,000 | 24,645,000 | 25,147,000 |
| Risk-weighted assets | 148,845,000 | 164,280,000 | 179,027,000 | 183,621,000 |