Call reports 2005
COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 4,340,268,000 | 4,300,050,000 | 4,198,903,000 | 4,138,579,000 |
| Total loans | 2,334,395,000 | 2,378,901,000 | 2,412,071,000 | 2,411,999,000 |
| Allowance for loan losses | 31,898,000 | 32,011,000 | 32,638,000 | 32,763,000 |
| Securities available for sale | 1,361,915,000 | 1,317,899,000 | 1,134,620,000 | 1,120,879,000 |
| Securities held to maturity | 139,844,000 | 139,627,000 | 139,454,000 | 139,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,999,788,000 | 3,001,222,000 | 3,003,415,000 | 3,007,397,000 |
| Interest-bearing deposits | 2,399,215,000 | 2,380,893,000 | 2,394,968,000 | 2,377,483,000 |
| Noninterest-bearing deposits | 600,573,000 | 620,329,000 | 608,447,000 | 629,914,000 |
| Equity capital | 527,443,000 | 535,609,000 | 524,347,000 | 511,573,000 |
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 | 55,141,000 | 109,907,000 | 163,890,000 | 218,990,000 |
| Interest expense | 15,829,000 | 32,808,000 | 50,157,000 | 68,582,000 |
| Net interest income | 39,312,000 | 77,099,000 | 113,733,000 | 150,408,000 |
| Noninterest income | 8,445,000 | 17,315,000 | 27,901,000 | 37,798,000 |
| Noninterest expense | 28,846,000 | 57,847,000 | 85,311,000 | 116,273,000 |
| Provision for loan losses | 1,875,000 | 4,009,000 | 7,240,000 | 9,910,000 |
| Pretax income | 18,762,000 | 39,448,000 | 61,278,000 | 74,217,000 |
| Income tax | 4,672,000 | 10,071,000 | 16,061,000 | 19,208,000 |
| Net income | 14,090,000 | 29,377,000 | 45,217,000 | 55,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 281,104,000 | 284,777,000 | 288,741,000 | 283,836,000 |
| Total capital | 310,540,000 | 314,552,000 | 318,599,000 | 313,632,000 |
| Risk-weighted assets | 2,352,415,000 | 2,379,785,000 | 2,388,735,000 | 2,382,233,000 |