Call reports 2002
COMMUNITY BANK FINANCIAL — 2002
What COMMUNITY BANK FINANCIAL 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 | 64,447,000 | 66,439,000 | 75,041,000 | 75,463,000 |
| Total loans | 44,158,000 | 46,544,000 | 51,179,000 | 52,753,000 |
| Allowance for loan losses | 502,000 | 517,000 | 520,000 | 528,000 |
| Securities available for sale | 11,207,000 | 11,436,000 | 11,559,000 | 11,688,000 |
| Securities held to maturity | 1,137,000 | 999,000 | 885,000 | 885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,237,000 | 59,080,000 | 67,422,000 | 67,825,000 |
| Interest-bearing deposits | 51,320,000 | 52,348,000 | 60,794,000 | 59,457,000 |
| Noninterest-bearing deposits | 5,917,000 | 6,732,000 | 6,628,000 | 8,368,000 |
| Equity capital | 6,557,000 | 6,736,000 | 6,923,000 | 7,107,000 |
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 | 1,032,000 | 2,065,000 | 3,155,000 | 4,264,000 |
| Interest expense | 375,000 | 724,000 | 1,074,000 | 1,420,000 |
| Net interest income | 657,000 | 1,341,000 | 2,081,000 | 2,844,000 |
| Noninterest income | 92,000 | 184,000 | 263,000 | 425,000 |
| Noninterest expense | 430,000 | 892,000 | 1,385,000 | 1,878,000 |
| Provision for loan losses | 13,000 | 28,000 | 43,000 | 58,000 |
| Pretax income | 306,000 | 647,000 | 958,000 | 1,375,000 |
| Income tax | 84,000 | 181,000 | 274,000 | 409,000 |
| Net income | 222,000 | 466,000 | 684,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,436,000 | 6,595,000 | 6,725,000 | 6,918,000 |
| Total capital | 6,938,000 | 7,112,000 | 7,245,000 | 7,446,000 |
| Risk-weighted assets | 49,836,000 | 51,228,000 | 54,965,000 | 55,885,000 |