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 | 54,525,000 | 57,174,000 | 57,804,000 | 57,333,000 |
| Total loans | 38,578,000 | 39,588,000 | 41,131,000 | 42,954,000 |
| Allowance for loan losses | 576,000 | 598,000 | 620,000 | 658,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,887,000 | 44,180,000 | 43,685,000 | 43,355,000 |
| Interest-bearing deposits | 29,866,000 | 29,591,000 | 27,959,000 | 28,220,000 |
| Noninterest-bearing deposits | 13,021,000 | 14,589,000 | 15,726,000 | 15,135,000 |
| Equity capital | 3,716,000 | 3,634,000 | 3,733,000 | 3,808,000 |
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 | 828,000 | 1,662,000 | 2,506,000 | 3,365,000 |
| Interest expense | 158,000 | 296,000 | 414,000 | 517,000 |
| Net interest income | 670,000 | 1,366,000 | 2,092,000 | 2,848,000 |
| Noninterest income | 235,000 | 478,000 | 721,000 | 956,000 |
| Noninterest expense | 558,000 | 1,163,000 | 1,790,000 | 2,524,000 |
| Provision for loan losses | 43,000 | 85,000 | 130,000 | 174,000 |
| Pretax income | 304,000 | 596,000 | 893,000 | 1,106,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 304,000 | 596,000 | 893,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,716,000 | 3,634,000 | 3,733,000 | 3,808,000 |
| Total capital | 4,137,000 | 4,066,000 | 4,173,000 | 4,262,000 |
| Risk-weighted assets | 33,453,000 | 34,465,000 | 34,918,000 | 36,316,000 |