Call reports 2005
COMMUNITY BANK — 2005
What COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,245,000 | 44,758,000 | 44,337,000 | 45,572,000 |
| Total loans | 30,494,000 | 32,378,000 | 32,879,000 | 32,169,000 |
| Allowance for loan losses | 486,000 | 501,000 | 582,000 | 574,000 |
| Securities available for sale | 8,530,000 | 8,220,000 | 7,772,000 | 7,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,567,000 | 31,725,000 | 32,147,000 | 34,938,000 |
| Interest-bearing deposits | 27,964,000 | 27,942,000 | 28,541,000 | 30,501,000 |
| Noninterest-bearing deposits | 3,603,000 | 3,783,000 | 3,606,000 | 4,437,000 |
| Equity capital | 4,755,000 | 4,767,000 | 4,700,000 | 4,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,277,000 | 1,918,000 | 2,608,000 |
| Interest expense | 254,000 | 514,000 | 791,000 | 1,107,000 |
| Net interest income | 382,000 | 763,000 | 1,127,000 | 1,501,000 |
| Noninterest income | 56,000 | 114,000 | 176,000 | 306,000 |
| Noninterest expense | 216,000 | 452,000 | 690,000 | 960,000 |
| Provision for loan losses | 0 | 0 | 95,000 | 155,000 |
| Pretax income | 222,000 | 420,000 | 518,000 | 692,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 19,000 |
| Net income | 217,000 | 410,000 | 504,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,880,000 | 4,773,000 | 4,765,000 | 4,936,000 |
| Total capital | 5,311,000 | 5,221,000 | 5,211,000 | 5,373,000 |
| Risk-weighted assets | 33,725,000 | 35,812,000 | 35,560,000 | 34,820,000 |
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