Call reports 2005
COMMUNITY BANK, THE — 2005
What COMMUNITY BANK, THE 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 | 136,586,000 | 137,257,000 | 135,457,000 | 133,111,000 |
| Total loans | 92,239,000 | 91,647,000 | 88,572,000 | 87,938,000 |
| Allowance for loan losses | 975,000 | 1,081,000 | 1,063,000 | 1,062,000 |
| Securities available for sale | 29,986,000 | 32,362,000 | 32,286,000 | 32,079,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,923,000 | 102,830,000 | 103,736,000 | 103,085,000 |
| Interest-bearing deposits | 86,099,000 | 86,715,000 | 86,858,000 | 86,172,000 |
| Noninterest-bearing deposits | 15,824,000 | 16,115,000 | 16,878,000 | 16,913,000 |
| Equity capital | 9,627,000 | 9,944,000 | 9,791,000 | 9,763,000 |
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 | 1,840,000 | 3,734,000 | 5,627,000 | 7,569,000 |
| Interest expense | 737,000 | 1,519,000 | 2,315,000 | 3,111,000 |
| Net interest income | 1,103,000 | 2,215,000 | 3,312,000 | 4,458,000 |
| Noninterest income | 210,000 | 454,000 | 737,000 | 1,009,000 |
| Noninterest expense | 975,000 | 1,963,000 | 3,035,000 | 4,110,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 117,000 | 260,000 | 418,000 | 611,000 |
| Income tax | 8,000 | 20,000 | 47,000 | 80,000 |
| Net income | 109,000 | 240,000 | 371,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,787,000 | 9,868,000 | 9,949,000 | 10,034,000 |
| Total capital | 10,762,000 | 10,926,000 | 10,978,000 | 11,056,000 |
| Risk-weighted assets | 84,023,000 | 84,586,000 | 82,295,000 | 81,697,000 |
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