Call reports 2003
COMMUNITY BANK & TRUST — 2003
What COMMUNITY BANK & TRUST 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 | 81,605,000 | 90,370,000 | 94,005,000 | 100,032,000 |
| Total loans | 49,054,000 | 56,821,000 | 58,656,000 | 63,610,000 |
| Allowance for loan losses | 680,000 | 795,000 | 816,000 | 855,000 |
| Securities available for sale | 25,116,000 | 26,702,000 | 28,333,000 | 28,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,050,000 | 78,790,000 | 82,502,000 | 84,841,000 |
| Interest-bearing deposits | 60,989,000 | 68,744,000 | 70,525,000 | 73,129,000 |
| Noninterest-bearing deposits | 9,061,000 | 10,046,000 | 11,977,000 | 11,712,000 |
| Equity capital | 7,855,000 | 8,091,000 | 7,926,000 | 8,368,000 |
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 | 1,097,000 | 2,316,000 | 3,577,000 | 4,914,000 |
| Interest expense | 395,000 | 826,000 | 1,251,000 | 1,691,000 |
| Net interest income | 702,000 | 1,490,000 | 2,326,000 | 3,223,000 |
| Noninterest income | 208,000 | 468,000 | 701,000 | 930,000 |
| Noninterest expense | 663,000 | 1,348,000 | 2,079,000 | 2,803,000 |
| Provision for loan losses | 35,000 | 156,000 | 196,000 | 262,000 |
| Pretax income | 229,000 | 498,000 | 808,000 | 1,144,000 |
| Income tax | 89,000 | 191,000 | 303,000 | 414,000 |
| Net income | 140,000 | 307,000 | 505,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,694,000 | 7,861,000 | 8,082,000 | 8,421,000 |
| Total capital | 8,355,000 | 8,631,000 | 8,889,000 | 9,276,000 |
| Risk-weighted assets | 52,825,000 | 61,580,000 | 64,529,000 | 69,694,000 |