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 | 66,889,000 | 66,983,000 | 64,995,000 | 67,098,000 |
| Total loans | 32,358,000 | 31,926,000 | 32,262,000 | 31,347,000 |
| Allowance for loan losses | 394,000 | 344,000 | 337,000 | 334,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,557,000 | 31,553,000 | 29,551,000 | 29,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,584,000 | 59,330,000 | 57,208,000 | 57,858,000 |
| Interest-bearing deposits | 50,098,000 | 52,172,000 | 49,516,000 | 48,984,000 |
| Noninterest-bearing deposits | 7,486,000 | 7,158,000 | 7,692,000 | 8,874,000 |
| Equity capital | 7,115,000 | 6,832,000 | 6,879,000 | 7,032,000 |
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 | 782,000 | 1,571,000 | 2,352,000 | 3,112,000 |
| Interest expense | 184,000 | 403,000 | 644,000 | 900,000 |
| Net interest income | 598,000 | 1,168,000 | 1,708,000 | 2,212,000 |
| Noninterest income | 58,000 | 138,000 | 222,000 | 302,000 |
| Noninterest expense | 399,000 | 847,000 | 1,279,000 | 1,710,000 |
| Provision for loan losses | 0 | 15,000 | 60,000 | 60,000 |
| Pretax income | 257,000 | 444,000 | 591,000 | 744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 444,000 | 591,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,115,000 | 6,832,000 | 6,879,000 | 7,032,000 |
| Total capital | 7,509,000 | 7,176,000 | 7,216,000 | 7,366,000 |
| Risk-weighted assets | 35,728,000 | 35,658,000 | 35,541,000 | 34,679,000 |
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