Call reports 2003
COMMUNITY BANK CORPORATION — 2003
What COMMUNITY BANK CORPORATION 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 | 50,254,000 | 52,630,000 | 51,046,000 | 63,891,000 |
| Total loans | 32,356,000 | 39,288,000 | 38,151,000 | 44,682,000 |
| Allowance for loan losses | 288,000 | 320,000 | 337,000 | 446,000 |
| Securities available for sale | 9,002,000 | 5,509,000 | 3,745,000 | 10,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,224,000 | 40,787,000 | 42,540,000 | 55,007,000 |
| Interest-bearing deposits | 36,103,000 | 35,312,000 | 36,119,000 | 47,232,000 |
| Noninterest-bearing deposits | 5,121,000 | 5,475,000 | 6,421,000 | 7,775,000 |
| Equity capital | 5,687,000 | 5,780,000 | 5,782,000 | 5,719,000 |
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 | 595,000 | 1,305,000 | 2,079,000 | 2,821,000 |
| Interest expense | 159,000 | 297,000 | 438,000 | 602,000 |
| Net interest income | 436,000 | 1,008,000 | 1,641,000 | 2,219,000 |
| Noninterest income | 141,000 | 277,000 | 397,000 | 518,000 |
| Noninterest expense | 519,000 | 1,062,000 | 1,724,000 | 2,417,000 |
| Provision for loan losses | 27,000 | 57,000 | 95,000 | 205,000 |
| Pretax income | 31,000 | 192,000 | 245,000 | 139,000 |
| Income tax | 10,000 | 72,000 | 89,000 | 46,000 |
| Net income | 21,000 | 120,000 | 156,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,564,000 | 5,663,000 | 5,644,000 | 5,581,000 |
| Total capital | 5,852,000 | 5,983,000 | 5,981,000 | 6,027,000 |
| Risk-weighted assets | 43,467,000 | 49,118,000 | 43,485,000 | 58,008,000 |