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 | 84,733,000 | 82,749,000 | 82,660,000 | 76,627,000 |
| Total loans | 37,900,000 | 35,847,000 | 37,340,000 | 36,010,000 |
| Allowance for loan losses | 329,000 | 322,000 | 326,000 | 306,000 |
| Securities available for sale | 29,045,000 | 31,723,000 | 30,252,000 | 29,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,858,000 | 74,350,000 | 74,359,000 | 69,352,000 |
| Interest-bearing deposits | 71,807,000 | 66,580,000 | 69,178,000 | 62,588,000 |
| Noninterest-bearing deposits | 5,051,000 | 7,770,000 | 5,182,000 | 6,764,000 |
| Equity capital | 6,853,000 | 7,130,000 | 6,991,000 | 6,818,000 |
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 | 880,000 | 1,784,000 | 2,684,000 | 3,552,000 |
| Interest expense | 271,000 | 566,000 | 885,000 | 1,224,000 |
| Net interest income | 609,000 | 1,218,000 | 1,799,000 | 2,328,000 |
| Noninterest income | 77,000 | 146,000 | 222,000 | 295,000 |
| Noninterest expense | 572,000 | 1,225,000 | 1,893,000 | 2,421,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 102,000 | 124,000 | 110,000 | 179,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 97,000 | 119,000 | 105,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,190,000 | 7,212,000 | 7,199,000 | 7,267,000 |
| Total capital | 7,519,000 | 7,534,000 | 7,525,000 | 7,573,000 |
| Risk-weighted assets | 38,498,000 | 36,417,000 | 37,548,000 | 35,916,000 |