Call reports 2003
COMMUNITY BANK FINANCIAL — 2003
What COMMUNITY BANK FINANCIAL 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 | 78,016,000 | 79,995,000 | 82,090,000 | 85,752,000 |
| Total loans | 51,339,000 | 60,793,000 | 63,024,000 | 63,016,000 |
| Allowance for loan losses | 542,000 | 502,000 | 529,000 | 543,000 |
| Securities available for sale | 11,735,000 | 11,588,000 | 11,485,000 | 11,598,000 |
| Securities held to maturity | 1,112,000 | 1,058,000 | 954,000 | 954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,349,000 | 71,706,000 | 72,011,000 | 76,184,000 |
| Interest-bearing deposits | 62,942,000 | 64,396,000 | 64,489,000 | 68,498,000 |
| Noninterest-bearing deposits | 7,407,000 | 7,310,000 | 7,522,000 | 7,686,000 |
| Equity capital | 7,190,000 | 7,319,000 | 7,344,000 | 7,420,000 |
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 | 1,089,000 | 2,207,000 | 3,346,000 | 4,476,000 |
| Interest expense | 333,000 | 660,000 | 970,000 | 1,269,000 |
| Net interest income | 756,000 | 1,547,000 | 2,376,000 | 3,207,000 |
| Noninterest income | 101,000 | 228,000 | 342,000 | 419,000 |
| Noninterest expense | 562,000 | 1,152,000 | 1,736,000 | 2,337,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 280,000 | 593,000 | 937,000 | 1,229,000 |
| Income tax | 82,000 | 179,000 | 290,000 | 382,000 |
| Net income | 198,000 | 414,000 | 647,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,004,000 | 7,108,000 | 7,229,000 | 7,317,000 |
| Total capital | 7,546,000 | 7,610,000 | 7,758,000 | 7,860,000 |
| Risk-weighted assets | 55,690,000 | 63,837,000 | 66,093,000 | 67,293,000 |