Call reports 2003
COMMUNITY BANK, N.A. — 2003
What COMMUNITY BANK, N.A. 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 | 37,017,000 | 36,134,000 | 35,800,000 | 35,441,000 |
| Total loans | 26,769,000 | 26,725,000 | 27,603,000 | 26,387,000 |
| Allowance for loan losses | 384,000 | 429,000 | 442,000 | 424,000 |
| Securities available for sale | 4,428,000 | 4,035,000 | 4,351,000 | 4,785,000 |
| Securities held to maturity | 315,000 | 375,000 | 327,000 | 322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,928,000 | 32,034,000 | 32,169,000 | 31,762,000 |
| Interest-bearing deposits | 29,121,000 | 27,783,000 | 27,922,000 | 27,617,000 |
| Noninterest-bearing deposits | 3,807,000 | 4,251,000 | 4,247,000 | 4,145,000 |
| Equity capital | 3,775,000 | 3,860,000 | 3,359,000 | 3,460,000 |
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 | 716,000 | 1,411,000 | 2,091,000 | 2,765,000 |
| Interest expense | 184,000 | 354,000 | 510,000 | 660,000 |
| Net interest income | 532,000 | 1,057,000 | 1,581,000 | 2,105,000 |
| Noninterest income | 91,000 | 158,000 | 229,000 | 303,000 |
| Noninterest expense | 407,000 | 843,000 | 1,238,000 | 1,668,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 229,000 | 376,000 | 567,000 | 726,000 |
| Income tax | 82,000 | 140,000 | 210,000 | 268,000 |
| Net income | 147,000 | 236,000 | 357,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,741,000 | 3,830,000 | 3,351,000 | 3,452,000 |
| Total capital | 4,078,000 | 4,164,000 | 3,696,000 | 3,786,000 |
| Risk-weighted assets | 26,925,000 | 26,649,000 | 27,488,000 | 26,606,000 |