Call reports 2002
COMMUNITY BANK — 2002
What COMMUNITY BANK 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 | 39,918,000 | 40,668,000 | 41,835,000 | 42,362,000 |
| Total loans | 26,350,000 | 27,260,000 | 28,113,000 | 30,545,000 |
| Allowance for loan losses | 423,000 | 425,000 | 455,000 | 431,000 |
| Securities available for sale | 10,461,000 | 10,432,000 | 11,288,000 | 9,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,916,000 | 34,537,000 | 34,821,000 | 35,230,000 |
| Interest-bearing deposits | 32,535,000 | 32,022,000 | 32,326,000 | 32,122,000 |
| Noninterest-bearing deposits | 2,381,000 | 2,515,000 | 2,495,000 | 3,108,000 |
| Equity capital | 3,640,000 | 3,805,000 | 3,805,000 | 3,937,000 |
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 | 622,000 | 1,256,000 | 1,881,000 | 2,499,000 |
| Interest expense | 259,000 | 493,000 | 724,000 | 942,000 |
| Net interest income | 363,000 | 763,000 | 1,157,000 | 1,557,000 |
| Noninterest income | 50,000 | 100,000 | 154,000 | 206,000 |
| Noninterest expense | 233,000 | 465,000 | 695,000 | 943,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 180,000 |
| Pretax income | 150,000 | 343,000 | 535,000 | 708,000 |
| Income tax | 55,000 | 104,000 | 153,000 | 179,000 |
| Net income | 95,000 | 239,000 | 382,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,609,000 | 3,753,000 | 3,671,000 | 3,819,000 |
| Total capital | 3,986,000 | 4,155,000 | 4,085,000 | 4,250,000 |
| Risk-weighted assets | 30,097,000 | 32,134,000 | 33,111,000 | 35,217,000 |