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 | 216,616,000 | 224,564,000 | 225,930,000 | 237,747,000 |
| Total loans | 194,907,000 | 201,764,000 | 205,634,000 | 204,011,000 |
| Allowance for loan losses | 2,362,000 | 2,361,000 | 2,358,000 | 1,967,000 |
| Securities available for sale | 1,442,000 | 1,455,000 | 1,451,000 | 1,444,000 |
| Securities held to maturity | 2,286,000 | 2,285,000 | 1,805,000 | 1,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,184,000 | 179,920,000 | 192,350,000 | 203,683,000 |
| Interest-bearing deposits | 140,368,000 | 134,391,000 | 148,451,000 | 152,054,000 |
| Noninterest-bearing deposits | 43,816,000 | 45,529,000 | 43,899,000 | 51,629,000 |
| Equity capital | 24,931,000 | 25,689,000 | 26,427,000 | 27,110,000 |
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 | 3,367,000 | 7,040,000 | 10,966,000 | 15,201,000 |
| Interest expense | 551,000 | 1,321,000 | 2,292,000 | 3,434,000 |
| Net interest income | 2,816,000 | 5,719,000 | 8,674,000 | 11,767,000 |
| Noninterest income | 325,000 | 706,000 | 1,103,000 | 1,453,000 |
| Noninterest expense | 1,428,000 | 2,881,000 | 4,415,000 | 5,979,000 |
| Provision for loan losses | 11,000 | 11,000 | 11,000 | 161,000 |
| Pretax income | 1,702,000 | 3,533,000 | 5,351,000 | 7,080,000 |
| Income tax | 667,000 | 1,386,000 | 2,104,000 | 2,787,000 |
| Net income | 1,035,000 | 2,147,000 | 3,247,000 | 4,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,966,000 | 25,716,000 | 26,457,000 | 27,166,000 |
| Total capital | 27,328,000 | 28,077,000 | 28,815,000 | 29,133,000 |
| Risk-weighted assets | 196,852,000 | 205,872,000 | 210,180,000 | 212,895,000 |