Call reports 2002
COMMUNITY BANKING COMPANY — 2002
What COMMUNITY BANKING COMPANY 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 | 64,973,000 | 67,261,000 | 68,076,000 | 73,330,000 |
| Total loans | 45,376,000 | 49,057,000 | 50,118,000 | 49,908,000 |
| Allowance for loan losses | 582,000 | 598,000 | 633,000 | 607,000 |
| Securities available for sale | 7,143,000 | 6,501,000 | 6,450,000 | 6,234,000 |
| Securities held to maturity | 1,261,000 | 2,255,000 | 2,002,000 | 2,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,484,000 | 58,558,000 | 59,034,000 | 64,180,000 |
| Interest-bearing deposits | 49,550,000 | 51,275,000 | 51,177,000 | 55,895,000 |
| Noninterest-bearing deposits | 6,934,000 | 7,283,000 | 7,857,000 | 8,285,000 |
| Equity capital | 8,148,000 | 8,356,000 | 8,609,000 | 8,772,000 |
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 | 987,000 | 2,004,000 | 3,046,000 | 4,084,000 |
| Interest expense | 402,000 | 787,000 | 1,162,000 | 1,530,000 |
| Net interest income | 585,000 | 1,217,000 | 1,884,000 | 2,554,000 |
| Noninterest income | 128,000 | 261,000 | 407,000 | 570,000 |
| Noninterest expense | 507,000 | 1,003,000 | 1,508,000 | 2,025,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 168,000 | 400,000 | 670,000 | 950,000 |
| Income tax | 49,000 | 119,000 | 203,000 | 280,000 |
| Net income | 119,000 | 281,000 | 467,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,426,000 | 6,588,000 | 6,774,000 | 6,977,000 |
| Total capital | 7,002,000 | 7,186,000 | 7,407,000 | 7,584,000 |
| Risk-weighted assets | 46,097,000 | 49,906,000 | 54,527,000 | 51,733,000 |