Call reports 2002
COMMUNITY BANK CORPORATION — 2002
What COMMUNITY BANK CORPORATION 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 | 36,286,000 | 36,512,000 | 44,522,000 | 50,210,000 |
| Total loans | 20,371,000 | 22,363,000 | 26,237,000 | 28,299,000 |
| Allowance for loan losses | 189,000 | 200,000 | 237,000 | 276,000 |
| Securities available for sale | 10,047,000 | 8,703,000 | 7,863,000 | 9,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,571,000 | 27,795,000 | 35,540,000 | 41,161,000 |
| Interest-bearing deposits | 27,479,000 | 23,574,000 | 30,217,000 | 36,512,000 |
| Noninterest-bearing deposits | 3,092,000 | 4,221,000 | 5,323,000 | 4,650,000 |
| Equity capital | 5,529,000 | 5,533,000 | 5,622,000 | 5,677,000 |
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 | 492,000 | 982,000 | 1,579,000 | 2,207,000 |
| Interest expense | 112,000 | 221,000 | 367,000 | 542,000 |
| Net interest income | 380,000 | 761,000 | 1,212,000 | 1,665,000 |
| Noninterest income | 46,000 | 123,000 | 198,000 | 300,000 |
| Noninterest expense | 425,000 | 859,000 | 1,312,000 | 1,805,000 |
| Provision for loan losses | 29,000 | 66,000 | 115,000 | 127,000 |
| Pretax income | -28,000 | -36,000 | -9,000 | 41,000 |
| Income tax | -10,000 | -14,000 | -3,000 | 13,000 |
| Net income | -18,000 | -22,000 | -6,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,497,000 | 5,467,000 | 5,509,000 | 5,543,000 |
| Total capital | 5,686,000 | 5,667,000 | 5,746,000 | 5,819,000 |
| Risk-weighted assets | 26,979,000 | 28,797,000 | 33,857,000 | 42,252,000 |