Call reports 2004
COMMUNITY BANK OF SNYDER — 2004
What COMMUNITY BANK OF SNYDER 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 | 110,396,000 | 108,185,000 | 102,926,000 | 115,182,000 |
| Total loans | 28,531,000 | 29,160,000 | 29,989,000 | 30,709,000 |
| Allowance for loan losses | 308,000 | 313,000 | 320,000 | 329,000 |
| Securities available for sale | 47,566,000 | 41,713,000 | 37,888,000 | 37,689,000 |
| Securities held to maturity | 25,212,000 | 24,004,000 | 21,621,000 | 20,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,302,000 | 93,367,000 | 88,969,000 | 103,485,000 |
| Interest-bearing deposits | 76,732,000 | 76,661,000 | 71,517,000 | 83,676,000 |
| Noninterest-bearing deposits | 16,570,000 | 16,706,000 | 17,452,000 | 19,809,000 |
| Equity capital | 11,108,000 | 9,898,000 | 10,721,000 | 10,583,000 |
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 | 1,146,000 | 2,317,000 | 3,428,000 | 4,568,000 |
| Interest expense | 264,000 | 524,000 | 774,000 | 1,054,000 |
| Net interest income | 882,000 | 1,793,000 | 2,654,000 | 3,514,000 |
| Noninterest income | 108,000 | 239,000 | 370,000 | 500,000 |
| Noninterest expense | 693,000 | 1,329,000 | 1,987,000 | 2,737,000 |
| Provision for loan losses | 14,000 | 49,000 | 58,000 | 71,000 |
| Pretax income | 283,000 | 601,000 | 916,000 | 1,143,000 |
| Income tax | 60,000 | 140,000 | 221,000 | 265,000 |
| Net income | 223,000 | 461,000 | 695,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,729,000 | 10,742,000 | 10,789,000 | 10,783,000 |
| Total capital | 11,037,000 | 11,055,000 | 11,109,000 | 11,112,000 |
| Risk-weighted assets | 54,268,000 | 54,868,000 | 53,122,000 | 55,416,000 |