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 | 67,842,000 | 70,713,000 | 71,736,000 | 72,524,000 |
| Total loans | 53,391,000 | 56,388,000 | 58,011,000 | 59,254,000 |
| Allowance for loan losses | 752,000 | 751,000 | 751,000 | 751,000 |
| Securities available for sale | 11,811,000 | 11,728,000 | 10,885,000 | 10,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,031,000 | 51,404,000 | 49,783,000 | 53,966,000 |
| Interest-bearing deposits | 47,601,000 | 48,259,000 | 46,607,000 | 48,749,000 |
| Noninterest-bearing deposits | 3,430,000 | 3,145,000 | 3,177,000 | 5,217,000 |
| Equity capital | 7,296,000 | 7,613,000 | 7,701,000 | 7,864,000 |
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 | 936,000 | 1,904,000 | 2,921,000 | 3,976,000 |
| Interest expense | 404,000 | 864,000 | 1,362,000 | 1,889,000 |
| Net interest income | 532,000 | 1,040,000 | 1,559,000 | 2,087,000 |
| Noninterest income | 17,000 | 38,000 | 59,000 | 76,000 |
| Noninterest expense | 223,000 | 445,000 | 667,000 | 893,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 326,000 | 633,000 | 951,000 | 1,270,000 |
| Income tax | 121,000 | 234,000 | 350,000 | 466,000 |
| Net income | 205,000 | 399,000 | 601,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,280,000 | 7,475,000 | 7,676,000 | 7,879,000 |
| Total capital | 7,918,000 | 8,144,000 | 8,368,000 | 8,582,000 |
| Risk-weighted assets | 50,901,000 | 53,920,000 | 55,313,000 | 56,159,000 |
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