Call reports 2004
COMMUNITY BANK, N.A. — 2004
What COMMUNITY BANK, N.A. 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 | 38,123,000 | 37,092,000 | 38,377,000 | 37,252,000 |
| Total loans | 27,643,000 | 27,864,000 | 28,211,000 | 27,455,000 |
| Allowance for loan losses | 438,000 | 439,000 | 445,000 | 424,000 |
| Securities available for sale | 4,011,000 | 4,108,000 | 2,673,000 | 4,447,000 |
| Securities held to maturity | 317,000 | 315,000 | 262,000 | 259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,319,000 | 33,283,000 | 34,383,000 | 33,659,000 |
| Interest-bearing deposits | 30,056,000 | 28,764,000 | 29,409,000 | 28,132,000 |
| Noninterest-bearing deposits | 4,263,000 | 4,519,000 | 4,974,000 | 5,527,000 |
| Equity capital | 3,597,000 | 3,645,000 | 3,784,000 | 3,411,000 |
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 | 660,000 | 1,338,000 | 2,005,000 | 2,670,000 |
| Interest expense | 146,000 | 292,000 | 437,000 | 586,000 |
| Net interest income | 514,000 | 1,046,000 | 1,568,000 | 2,084,000 |
| Noninterest income | 77,000 | 182,000 | 281,000 | 362,000 |
| Noninterest expense | 399,000 | 855,000 | 1,262,000 | 1,714,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 39,000 |
| Pretax income | 186,000 | 361,000 | 515,000 | 640,000 |
| Income tax | 68,000 | 132,000 | 188,000 | 235,000 |
| Net income | 118,000 | 229,000 | 327,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,570,000 | 3,682,000 | 3,779,000 | 3,409,000 |
| Total capital | 3,924,000 | 4,036,000 | 4,140,000 | 3,787,000 |
| Risk-weighted assets | 28,220,000 | 28,237,000 | 28,762,000 | 30,193,000 |