Call reports 2004
COMMUNITY BANK CORPORATION — 2004
What COMMUNITY BANK CORPORATION 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 | 62,808,000 | 68,679,000 | 77,922,000 | 95,444,000 |
| Total loans | 48,463,000 | 55,433,000 | 63,563,000 | 72,962,000 |
| Allowance for loan losses | 505,000 | 559,000 | 614,000 | 730,000 |
| Securities available for sale | 6,771,000 | 5,441,000 | 6,219,000 | 10,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,094,000 | 59,601,000 | 65,708,000 | 76,415,000 |
| Interest-bearing deposits | 44,087,000 | 49,920,000 | 55,550,000 | 63,147,000 |
| Noninterest-bearing deposits | 9,007,000 | 9,681,000 | 10,159,000 | 13,268,000 |
| Equity capital | 6,762,000 | 6,817,000 | 6,930,000 | 7,280,000 |
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 | 813,000 | 1,750,000 | 2,776,000 | 4,019,000 |
| Interest expense | 162,000 | 327,000 | 533,000 | 835,000 |
| Net interest income | 651,000 | 1,423,000 | 2,243,000 | 3,184,000 |
| Noninterest income | 131,000 | 269,000 | 397,000 | 551,000 |
| Noninterest expense | 664,000 | 1,360,000 | 2,073,000 | 2,855,000 |
| Provision for loan losses | 59,000 | 113,000 | 169,000 | 285,000 |
| Pretax income | 65,000 | 227,000 | 406,000 | 603,000 |
| Income tax | 22,000 | 84,000 | 154,000 | 232,000 |
| Net income | 43,000 | 143,000 | 252,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,677,000 | 6,779,000 | 6,889,000 | 7,257,000 |
| Total capital | 7,182,000 | 7,338,000 | 7,503,000 | 7,987,000 |
| Risk-weighted assets | 58,477,000 | 68,022,000 | 74,535,000 | 79,703,000 |