Call reports 2002
COMMUNITY BANK, N.A. — 2002
What COMMUNITY BANK, N.A. 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 | 36,417,000 | 38,527,000 | 37,752,000 | 37,597,000 |
| Total loans | 27,362,000 | 27,362,000 | 27,661,000 | 26,531,000 |
| Allowance for loan losses | 313,000 | 316,000 | 321,000 | 375,000 |
| Securities available for sale | 4,575,000 | 4,115,000 | 4,831,000 | 4,812,000 |
| Securities held to maturity | 373,000 | 368,000 | 567,000 | 319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,809,000 | 34,741,000 | 33,771,000 | 33,493,000 |
| Interest-bearing deposits | 29,294,000 | 30,851,000 | 29,978,000 | 29,613,000 |
| Noninterest-bearing deposits | 3,515,000 | 3,890,000 | 3,793,000 | 3,880,000 |
| Equity capital | 3,318,000 | 3,436,000 | 3,570,000 | 3,656,000 |
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 | 770,000 | 1,533,000 | 2,304,000 | 3,060,000 |
| Interest expense | 264,000 | 507,000 | 725,000 | 935,000 |
| Net interest income | 506,000 | 1,026,000 | 1,579,000 | 2,125,000 |
| Noninterest income | 102,000 | 193,000 | 287,000 | 359,000 |
| Noninterest expense | 418,000 | 880,000 | 1,293,000 | 1,695,000 |
| Provision for loan losses | 32,000 | 44,000 | 96,000 | 157,000 |
| Pretax income | 176,000 | 313,000 | 509,000 | 664,000 |
| Income tax | 63,000 | 115,000 | 186,000 | 247,000 |
| Net income | 113,000 | 198,000 | 323,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,290,000 | 3,375,000 | 3,500,000 | 3,593,000 |
| Total capital | 3,603,000 | 3,691,000 | 3,821,000 | 3,924,000 |
| Risk-weighted assets | 26,980,000 | 27,433,000 | 27,530,000 | 26,471,000 |