Call reports 2004
COMMUNITY BANK — 2004
What COMMUNITY BANK 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 | 42,255,000 | 42,096,000 | 42,490,000 | 42,789,000 |
| Total loans | 26,608,000 | 24,778,000 | 24,682,000 | 25,949,000 |
| Allowance for loan losses | 405,000 | 418,000 | 470,000 | 357,000 |
| Securities available for sale | 10,634,000 | 13,471,000 | 15,499,000 | 14,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,063,000 | 38,006,000 | 38,402,000 | 37,555,000 |
| Interest-bearing deposits | 33,733,000 | 33,696,000 | 33,773,000 | 32,940,000 |
| Noninterest-bearing deposits | 4,330,000 | 4,310,000 | 4,629,000 | 4,615,000 |
| Equity capital | 3,787,000 | 3,762,000 | 3,753,000 | 3,813,000 |
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 | 523,000 | 1,022,000 | 1,532,000 | 2,070,000 |
| Interest expense | 142,000 | 271,000 | 401,000 | 536,000 |
| Net interest income | 381,000 | 751,000 | 1,131,000 | 1,534,000 |
| Noninterest income | 51,000 | 85,000 | 137,000 | 188,000 |
| Noninterest expense | 250,000 | 502,000 | 760,000 | 1,047,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 165,000 |
| Pretax income | 212,000 | 334,000 | 457,000 | 569,000 |
| Income tax | -26,000 | 9,000 | 61,000 | 69,000 |
| Net income | 238,000 | 325,000 | 396,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,694,000 | 3,781,000 | 3,700,000 | 3,803,000 |
| Total capital | 4,096,000 | 4,158,000 | 4,080,000 | 4,160,000 |
| Risk-weighted assets | 32,160,000 | 30,102,000 | 30,337,000 | 31,547,000 |