Call reports 2005
COMMUNITYBANKS — 2005
What COMMUNITYBANKS 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 | 2,002,919,000 | 1,974,020,000 | 3,282,211,000 | 3,336,590,000 |
| Total loans | 1,252,216,000 | 1,290,106,000 | 2,172,274,000 | 2,240,965,000 |
| Allowance for loan losses | 14,754,000 | 15,383,000 | 22,773,000 | 22,965,000 |
| Securities available for sale | 556,732,000 | 529,745,000 | 581,274,000 | 570,924,000 |
| Securities held to maturity | 0 | 0 | 19,368,000 | 23,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,351,967,000 | 1,387,387,000 | 2,248,929,000 | 2,299,859,000 |
| Interest-bearing deposits | 1,286,189,000 | 1,323,644,000 | 2,024,008,000 | 2,064,454,000 |
| Noninterest-bearing deposits | 65,778,000 | 63,742,000 | 224,921,000 | 235,405,000 |
| Equity capital | 170,289,000 | 170,298,000 | 503,508,000 | 499,508,000 |
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 | 26,144,000 | 53,468,000 | 96,903,000 | 142,089,000 |
| Interest expense | 11,035,000 | 23,021,000 | 39,583,000 | 57,552,000 |
| Net interest income | 15,109,000 | 30,447,000 | 57,320,000 | 84,537,000 |
| Noninterest income | 5,155,000 | 10,454,000 | 18,286,000 | 26,075,000 |
| Noninterest expense | 12,590,000 | 32,266,000 | 52,970,000 | 72,842,000 |
| Provision for loan losses | 550,000 | 1,300,000 | 1,700,000 | 2,300,000 |
| Pretax income | 7,133,000 | 7,283,000 | 20,823,000 | 35,317,000 |
| Income tax | 1,374,000 | 1,484,000 | 4,297,000 | 7,402,000 |
| Net income | 5,759,000 | 5,799,000 | 16,526,000 | 27,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,968,000 | 161,273,000 | 242,340,000 | 242,696,000 |
| Total capital | 179,722,000 | 176,656,000 | 265,113,000 | 265,661,000 |
| Risk-weighted assets | 1,516,411,000 | 1,542,994,000 | 2,502,688,000 | 2,487,455,000 |