Call reports 2003
COMMUNITY BANK — 2003
What COMMUNITY BANK 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 | 44,104,000 | 44,541,000 | 43,238,000 | 44,524,000 |
| Total loans | 29,757,000 | 31,292,000 | 28,152,000 | 29,068,000 |
| Allowance for loan losses | 465,000 | 492,000 | 465,000 | 349,000 |
| Securities available for sale | 11,837,000 | 10,404,000 | 12,916,000 | 12,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,224,000 | 37,022,000 | 38,435,000 | 37,456,000 |
| Interest-bearing deposits | 33,081,000 | 33,278,000 | 34,598,000 | 33,572,000 |
| Noninterest-bearing deposits | 3,143,000 | 3,744,000 | 3,837,000 | 3,884,000 |
| Equity capital | 3,865,000 | 4,073,000 | 3,212,000 | 3,577,000 |
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 | 614,000 | 1,197,000 | 1,728,000 | 2,289,000 |
| Interest expense | 197,000 | 379,000 | 539,000 | 698,000 |
| Net interest income | 417,000 | 818,000 | 1,189,000 | 1,591,000 |
| Noninterest income | 55,000 | 97,000 | 136,000 | 384,000 |
| Noninterest expense | 246,000 | 510,000 | 765,000 | 1,054,000 |
| Provision for loan losses | 30,000 | 60,000 | 980,000 | 980,000 |
| Pretax income | 196,000 | 363,000 | -402,000 | -42,000 |
| Income tax | 65,000 | 113,000 | 0 | 0 |
| Net income | 131,000 | 250,000 | -402,000 | -42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,799,000 | 3,919,000 | 3,096,000 | 3,456,000 |
| Total capital | 4,240,000 | 4,372,000 | 3,516,000 | 3,805,000 |
| Risk-weighted assets | 35,293,000 | 36,211,000 | 33,563,000 | 34,853,000 |