Call reports 2005
COMMUNITY FINANCIAL BANK — 2005
What COMMUNITY FINANCIAL 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 | 25,270,000 | 24,421,000 | 24,126,000 | 23,764,000 |
| Total loans | 17,709,000 | 17,863,000 | 18,078,000 | 18,048,000 |
| Allowance for loan losses | 336,000 | 331,000 | 340,000 | 349,000 |
| Securities available for sale | 3,302,000 | 3,289,000 | 3,168,000 | 3,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,224,000 | 20,187,000 | 19,759,000 | 19,225,000 |
| Interest-bearing deposits | 18,816,000 | 17,365,000 | 17,430,000 | 16,628,000 |
| Noninterest-bearing deposits | 2,408,000 | 2,822,000 | 2,329,000 | 2,597,000 |
| Equity capital | 3,991,000 | 4,143,000 | 4,224,000 | 4,306,000 |
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 | 376,000 | 762,000 | 1,148,000 | 1,550,000 |
| Interest expense | 88,000 | 181,000 | 285,000 | 389,000 |
| Net interest income | 288,000 | 581,000 | 863,000 | 1,161,000 |
| Noninterest income | 31,000 | 79,000 | 125,000 | 154,000 |
| Noninterest expense | 178,000 | 364,000 | 549,000 | 705,000 |
| Provision for loan losses | 10,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 131,000 | 278,000 | 412,000 | 574,000 |
| Income tax | 38,000 | 89,000 | 125,000 | 186,000 |
| Net income | 93,000 | 189,000 | 287,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,032,000 | 4,128,000 | 4,226,000 | 4,331,000 |
| Total capital | 4,256,000 | 4,345,000 | 4,449,000 | 4,552,000 |
| Risk-weighted assets | 17,880,000 | 17,266,000 | 17,704,000 | 17,574,000 |