Call reports 2004
COMMUNITY BANK FINANCIAL — 2004
What COMMUNITY BANK FINANCIAL 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 | 83,070,000 | 85,989,000 | 87,824,000 | 95,343,000 |
| Total loans | 65,517,000 | 67,653,000 | 68,157,000 | 66,839,000 |
| Allowance for loan losses | 553,000 | 574,000 | 603,000 | 619,000 |
| Securities available for sale | 11,721,000 | 11,515,000 | 11,796,000 | 11,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,836,000 | 76,206,000 | 78,255,000 | 85,773,000 |
| Interest-bearing deposits | 66,413,000 | 67,427,000 | 69,739,000 | 74,833,000 |
| Noninterest-bearing deposits | 6,423,000 | 8,779,000 | 8,516,000 | 10,940,000 |
| Equity capital | 7,438,000 | 7,244,000 | 7,367,000 | 7,349,000 |
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 | 1,123,000 | 2,252,000 | 3,424,000 | 4,630,000 |
| Interest expense | 290,000 | 571,000 | 866,000 | 1,182,000 |
| Net interest income | 833,000 | 1,681,000 | 2,558,000 | 3,448,000 |
| Noninterest income | 86,000 | 202,000 | 300,000 | 404,000 |
| Noninterest expense | 671,000 | 1,402,000 | 2,153,000 | 2,864,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 294,000 | 497,000 | 691,000 | 944,000 |
| Income tax | 91,000 | 152,000 | 210,000 | 289,000 |
| Net income | 203,000 | 345,000 | 481,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,356,000 | 7,334,000 | 7,306,000 | 7,316,000 |
| Total capital | 7,909,000 | 7,908,000 | 7,909,000 | 7,935,000 |
| Risk-weighted assets | 69,520,000 | 72,656,000 | 73,924,000 | 75,489,000 |