Call reports 2003
COMMUNITY BANKING COMPANY — 2003
What COMMUNITY BANKING COMPANY 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 | 75,007,000 | 77,886,000 | 80,846,000 | 83,764,000 |
| Total loans | 51,075,000 | 54,261,000 | 53,617,000 | 52,772,000 |
| Allowance for loan losses | 653,000 | 587,000 | 618,000 | 781,000 |
| Securities available for sale | 6,036,000 | 6,287,000 | 6,412,000 | 6,320,000 |
| Securities held to maturity | 1,505,000 | 2,643,000 | 4,870,000 | 6,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,646,000 | 68,502,000 | 71,340,000 | 74,371,000 |
| Interest-bearing deposits | 57,341,000 | 60,105,000 | 62,783,000 | 64,700,000 |
| Noninterest-bearing deposits | 8,305,000 | 8,397,000 | 8,557,000 | 9,671,000 |
| Equity capital | 8,938,000 | 9,001,000 | 9,121,000 | 9,131,000 |
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 | 995,000 | 2,015,000 | 3,014,000 | 4,010,000 |
| Interest expense | 347,000 | 713,000 | 1,051,000 | 1,375,000 |
| Net interest income | 648,000 | 1,302,000 | 1,963,000 | 2,635,000 |
| Noninterest income | 166,000 | 299,000 | 444,000 | 561,000 |
| Noninterest expense | 514,000 | 1,055,000 | 1,582,000 | 2,128,000 |
| Provision for loan losses | 42,000 | 86,000 | 146,000 | 356,000 |
| Pretax income | 259,000 | 461,000 | 680,000 | 714,000 |
| Income tax | 79,000 | 139,000 | 202,000 | 202,000 |
| Net income | 180,000 | 322,000 | 478,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,157,000 | 7,224,000 | 7,380,000 | 7,414,000 |
| Total capital | 7,810,000 | 7,811,000 | 7,998,000 | 8,108,000 |
| Risk-weighted assets | 52,312,000 | 55,244,000 | 55,916,000 | 55,404,000 |