Call reports 2004
COMMUNITY BANKING COMPANY — 2004
What COMMUNITY BANKING COMPANY 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 | 84,123,000 | 79,589,000 | 79,183,000 | 84,515,000 |
| Total loans | 52,169,000 | 55,495,000 | 56,205,000 | 53,164,000 |
| Allowance for loan losses | 826,000 | 873,000 | 891,000 | 856,000 |
| Securities available for sale | 8,462,000 | 7,907,000 | 7,863,000 | 7,719,000 |
| Securities held to maturity | 6,006,000 | 5,183,000 | 4,998,000 | 6,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,579,000 | 70,004,000 | 69,275,000 | 74,467,000 |
| Interest-bearing deposits | 64,964,000 | 60,967,000 | 59,832,000 | 64,859,000 |
| Noninterest-bearing deposits | 9,615,000 | 9,037,000 | 9,443,000 | 9,608,000 |
| Equity capital | 9,205,000 | 9,295,000 | 9,545,000 | 9,716,000 |
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 | 989,000 | 1,988,000 | 3,015,000 | 4,070,000 |
| Interest expense | 305,000 | 577,000 | 845,000 | 1,140,000 |
| Net interest income | 684,000 | 1,411,000 | 2,170,000 | 2,930,000 |
| Noninterest income | 143,000 | 276,000 | 432,000 | 590,000 |
| Noninterest expense | 558,000 | 1,124,000 | 1,682,000 | 2,261,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 211,000 | 445,000 | 742,000 | 1,021,000 |
| Income tax | 58,000 | 125,000 | 213,000 | 295,000 |
| Net income | 153,000 | 320,000 | 529,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,477,000 | 7,644,000 | 7,853,000 | 8,051,000 |
| Total capital | 8,162,000 | 8,352,000 | 8,573,000 | 8,748,000 |
| Risk-weighted assets | 54,624,000 | 56,465,000 | 57,388,000 | 55,610,000 |