Call reports 2005
COMMUNITY BANK OF TRENTON — 2005
What COMMUNITY BANK OF TRENTON 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 | 58,178,000 | 57,932,000 | 57,024,000 | 57,599,000 |
| Total loans | 37,765,000 | 39,185,000 | 40,185,000 | 39,250,000 |
| Allowance for loan losses | 934,000 | 1,000,000 | 1,085,000 | 564,000 |
| Securities available for sale | 8,546,000 | 7,757,000 | 12,434,000 | 12,677,000 |
| Securities held to maturity | 6,417,000 | 6,511,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,941,000 | 45,015,000 | 43,909,000 | 44,605,000 |
| Interest-bearing deposits | 42,084,000 | 39,598,000 | 38,607,000 | 38,066,000 |
| Noninterest-bearing deposits | 4,857,000 | 5,417,000 | 5,302,000 | 6,539,000 |
| Equity capital | 8,060,000 | 8,233,000 | 8,443,000 | 8,386,000 |
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 | 706,000 | 1,459,000 | 2,219,000 | 2,987,000 |
| Interest expense | 263,000 | 507,000 | 784,000 | 1,175,000 |
| Net interest income | 443,000 | 952,000 | 1,435,000 | 1,812,000 |
| Noninterest income | 101,000 | 138,000 | 241,000 | 262,000 |
| Noninterest expense | 252,000 | 492,000 | 785,000 | 931,000 |
| Provision for loan losses | 86,000 | 171,000 | 257,000 | 342,000 |
| Pretax income | 206,000 | 442,000 | 713,000 | 880,000 |
| Income tax | 41,000 | 108,000 | 188,000 | 222,000 |
| Net income | 165,000 | 334,000 | 525,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,102,000 | 8,272,000 | 8,453,000 | 8,474,000 |
| Total capital | 8,627,000 | 8,813,000 | 8,995,000 | 9,015,000 |
| Risk-weighted assets | 41,562,000 | 42,768,000 | 42,824,000 | 43,234,000 |