Call reports 2005
COMMUNITY BANK AND TRUST COMPANY — 2005
What COMMUNITY BANK AND TRUST COMPANY 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 | 438,141,000 | 436,335,000 | 435,205,000 | 426,657,000 |
| Total loans | 411,388,000 | 401,737,000 | 405,094,000 | 397,949,000 |
| Allowance for loan losses | 6,396,000 | 6,276,000 | 6,174,000 | 6,174,000 |
| Securities available for sale | 5,981,000 | 5,460,000 | 7,366,000 | 6,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,497,000 | 365,691,000 | 356,090,000 | 337,648,000 |
| Interest-bearing deposits | 321,687,000 | 320,548,000 | 310,422,000 | 294,199,000 |
| Noninterest-bearing deposits | 35,810,000 | 45,143,000 | 45,668,000 | 43,449,000 |
| Equity capital | 41,822,000 | 40,888,000 | 41,806,000 | 42,971,000 |
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 | 6,893,000 | 13,807,000 | 20,976,000 | 28,272,000 |
| Interest expense | 1,449,000 | 3,019,000 | 4,644,000 | 6,511,000 |
| Net interest income | 5,444,000 | 10,788,000 | 16,332,000 | 21,761,000 |
| Noninterest income | 316,000 | 674,000 | 1,051,000 | 1,431,000 |
| Noninterest expense | 2,530,000 | 5,149,000 | 7,628,000 | 10,484,000 |
| Provision for loan losses | 0 | -100,000 | -154,000 | -154,000 |
| Pretax income | 3,230,000 | 6,413,000 | 9,909,000 | 12,868,000 |
| Income tax | 1,273,000 | 2,504,000 | 3,867,000 | 4,921,000 |
| Net income | 1,957,000 | 3,909,000 | 6,042,000 | 7,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,642,000 | 40,717,000 | 41,671,000 | 42,850,000 |
| Total capital | 46,419,000 | 45,550,000 | 46,657,000 | 47,540,000 |
| Risk-weighted assets | 380,262,000 | 384,794,000 | 397,434,000 | 373,670,000 |