Call reports 2003
COMMUNITY BANK OF SNYDER — 2003
What COMMUNITY BANK OF SNYDER 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 | 105,075,000 | 109,178,000 | 113,916,000 | 112,191,000 |
| Total loans | 28,899,000 | 29,732,000 | 30,385,000 | 27,836,000 |
| Allowance for loan losses | 276,000 | 331,000 | 335,000 | 292,000 |
| Securities available for sale | 34,684,000 | 34,528,000 | 41,159,000 | 40,969,000 |
| Securities held to maturity | 23,095,000 | 21,612,000 | 21,303,000 | 24,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,427,000 | 96,584,000 | 101,613,000 | 100,263,000 |
| Interest-bearing deposits | 74,755,000 | 80,948,000 | 84,952,000 | 83,743,000 |
| Noninterest-bearing deposits | 17,672,000 | 15,636,000 | 16,661,000 | 16,520,000 |
| Equity capital | 11,112,000 | 11,058,000 | 10,824,000 | 10,744,000 |
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 | 1,132,000 | 2,223,000 | 3,324,000 | 4,420,000 |
| Interest expense | 390,000 | 740,000 | 1,038,000 | 1,310,000 |
| Net interest income | 742,000 | 1,483,000 | 2,286,000 | 3,110,000 |
| Noninterest income | 95,000 | 221,000 | 339,000 | 460,000 |
| Noninterest expense | 655,000 | 1,197,000 | 1,793,000 | 2,498,000 |
| Provision for loan losses | 17,000 | 72,000 | 90,000 | 52,000 |
| Pretax income | 165,000 | 435,000 | 742,000 | 1,020,000 |
| Income tax | 15,000 | 83,000 | 137,000 | 191,000 |
| Net income | 150,000 | 352,000 | 605,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,657,000 | 10,709,000 | 10,719,000 | 10,730,000 |
| Total capital | 10,933,000 | 11,040,000 | 11,054,000 | 11,022,000 |
| Risk-weighted assets | 55,407,000 | 57,157,000 | 57,899,000 | 55,079,000 |