Call reports 2001
COMMUNITY BANK FINANCIAL — 2001
What COMMUNITY BANK FINANCIAL reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 62,924,000 | 65,753,000 | 69,345,000 | 66,416,000 |
| Total loans | 41,636,000 | 41,837,000 | 43,170,000 | 44,882,000 |
| Allowance for loan losses | 503,000 | 500,000 | 499,000 | 496,000 |
| Securities available for sale | 14,257,000 | 14,517,000 | 13,652,000 | 12,203,000 |
| Securities held to maturity | 1,399,000 | 1,211,000 | 1,082,000 | 1,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,503,000 | 59,094,000 | 62,276,000 | 59,696,000 |
| Interest-bearing deposits | 51,345,000 | 53,435,000 | 56,402,000 | 51,690,000 |
| Noninterest-bearing deposits | 5,158,000 | 5,659,000 | 5,874,000 | 8,005,000 |
| Equity capital | 5,917,000 | 6,081,000 | 6,332,000 | 6,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,317,000 | 3,490,000 | 4,605,000 |
| Interest expense | 657,000 | 1,265,000 | 1,840,000 | 2,306,000 |
| Net interest income | 497,000 | 1,052,000 | 1,650,000 | 2,299,000 |
| Noninterest income | 102,000 | 226,000 | 318,000 | 420,000 |
| Noninterest expense | 348,000 | 706,000 | 1,037,000 | 1,475,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 242,000 | 554,000 | 904,000 | 1,208,000 |
| Income tax | 68,000 | 163,000 | 271,000 | 353,000 |
| Net income | 174,000 | 391,000 | 633,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,819,000 | 5,962,000 | 6,139,000 | 6,298,000 |
| Total capital | 6,322,000 | 6,462,000 | 6,638,000 | 6,794,000 |
| Risk-weighted assets | 44,768,000 | 48,700,000 | 51,004,000 | 51,381,000 |