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 | 563,488,000 | 551,292,000 | 537,010,000 | 557,788,000 |
| Total loans | 349,670,000 | 329,412,000 | 319,729,000 | 320,988,000 |
| Allowance for loan losses | 10,123,000 | 11,232,000 | 12,060,000 | 14,358,000 |
| Securities available for sale | 120,512,000 | 121,750,000 | 132,089,000 | 154,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,989,000 | 452,158,000 | 440,277,000 | 463,014,000 |
| Interest-bearing deposits | 405,120,000 | 392,710,000 | 382,980,000 | 398,636,000 |
| Noninterest-bearing deposits | 56,869,000 | 59,448,000 | 57,297,000 | 64,378,000 |
| Equity capital | 53,455,000 | 51,641,000 | 48,910,000 | 43,824,000 |
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 | 8,914,000 | 17,342,000 | 25,168,000 | 33,124,000 |
| Interest expense | 3,515,000 | 6,820,000 | 9,895,000 | 12,880,000 |
| Net interest income | 5,399,000 | 10,522,000 | 15,273,000 | 20,244,000 |
| Noninterest income | 1,264,000 | 2,635,000 | 3,586,000 | 536,000 |
| Noninterest expense | 6,487,000 | 13,259,000 | 20,199,000 | 30,086,000 |
| Provision for loan losses | 1,289,000 | 3,610,000 | 5,475,000 | 11,381,000 |
| Pretax income | -465,000 | -2,983,000 | -5,712,000 | -19,584,000 |
| Income tax | 24,000 | -554,000 | -2,222,000 | -7,769,000 |
| Net income | -489,000 | -2,429,000 | -3,490,000 | -11,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,230,000 | 48,706,000 | 47,646,000 | 42,633,000 |
| Total capital | 55,710,000 | 53,037,000 | 51,935,000 | 46,919,000 |
| Risk-weighted assets | 352,775,000 | 339,593,000 | 335,341,000 | 332,822,000 |