Call reports 2004
COMMUNITY BANK — 2004
What COMMUNITY BANK 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 | 558,402,000 | 541,495,000 | 530,678,000 | 545,218,000 |
| Total loans | 314,788,000 | 310,452,000 | 319,625,000 | 303,230,000 |
| Allowance for loan losses | 11,233,000 | 10,375,000 | 10,053,000 | 4,625,000 |
| Securities available for sale | 159,022,000 | 157,883,000 | 139,593,000 | 144,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,081,000 | 449,715,000 | 437,210,000 | 451,941,000 |
| Interest-bearing deposits | 400,401,000 | 389,499,000 | 376,839,000 | 381,308,000 |
| Noninterest-bearing deposits | 60,680,000 | 60,216,000 | 60,371,000 | 70,633,000 |
| Equity capital | 46,265,000 | 43,747,000 | 45,767,000 | 44,587,000 |
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 | 7,653,000 | 15,150,000 | 22,757,000 | 30,226,000 |
| Interest expense | 2,935,000 | 5,800,000 | 8,692,000 | 11,688,000 |
| Net interest income | 4,718,000 | 9,350,000 | 14,065,000 | 18,538,000 |
| Noninterest income | 1,927,000 | 2,300,000 | 4,146,000 | 5,805,000 |
| Noninterest expense | 5,754,000 | 10,550,000 | 16,015,000 | 22,012,000 |
| Provision for loan losses | 299,000 | 378,000 | 722,000 | 987,000 |
| Pretax income | 830,000 | 960,000 | 1,667,000 | 1,537,000 |
| Income tax | 383,000 | 369,000 | 857,000 | 967,000 |
| Net income | 447,000 | 591,000 | 810,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,116,000 | 34,307,000 | 35,018,000 | 33,316,000 |
| Total capital | 38,386,000 | 38,492,000 | 39,163,000 | 37,328,000 |
| Risk-weighted assets | 334,637,000 | 328,613,000 | 325,683,000 | 320,324,000 |