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 | 22,923,000 | 25,135,000 | 25,647,000 | 28,715,000 |
| Total loans | 13,682,000 | 16,396,000 | 18,526,000 | 19,371,000 |
| Allowance for loan losses | 190,000 | 220,000 | 249,000 | 278,000 |
| Securities available for sale | 2,282,000 | 2,540,000 | 2,541,000 | 2,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,992,000 | 20,234,000 | 20,756,000 | 23,854,000 |
| Interest-bearing deposits | 15,672,000 | 17,611,000 | 17,953,000 | 20,942,000 |
| Noninterest-bearing deposits | 2,320,000 | 2,623,000 | 2,803,000 | 2,912,000 |
| Equity capital | 4,850,000 | 4,831,000 | 4,815,000 | 4,751,000 |
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 | 232,000 | 513,000 | 847,000 | 1,208,000 |
| Interest expense | 52,000 | 130,000 | 228,000 | 344,000 |
| Net interest income | 180,000 | 383,000 | 619,000 | 864,000 |
| Noninterest income | 35,000 | 88,000 | 141,000 | 186,000 |
| Noninterest expense | 240,000 | 500,000 | 777,000 | 1,128,000 |
| Provision for loan losses | 29,000 | 59,000 | 88,000 | 117,000 |
| Pretax income | -54,000 | -88,000 | -105,000 | -195,000 |
| Income tax | -17,000 | -26,000 | -31,000 | -58,000 |
| Net income | -37,000 | -62,000 | -74,000 | -137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,733,000 | 3,710,000 | 3,698,000 | 3,637,000 |
| Total capital | 3,923,000 | 3,930,000 | 3,947,000 | 3,915,000 |
| Risk-weighted assets | 16,327,000 | 18,761,000 | 21,099,000 | 22,650,000 |
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