Call reports 2005
DRUMMOND COMMUNITY BANK — 2005
What DRUMMOND 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 | 132,136,000 | 139,848,000 | 142,847,000 | 155,318,000 |
| Total loans | 76,382,000 | 78,954,000 | 82,174,000 | 89,786,000 |
| Allowance for loan losses | 1,510,000 | 1,513,000 | 1,512,000 | 1,468,000 |
| Securities available for sale | 43,308,000 | 48,387,000 | 48,038,000 | 50,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,058,000 | 105,809,000 | 109,281,000 | 115,113,000 |
| Interest-bearing deposits | 68,914,000 | 66,498,000 | 69,644,000 | 77,591,000 |
| Noninterest-bearing deposits | 38,143,000 | 39,311,000 | 39,637,000 | 37,522,000 |
| Equity capital | 17,344,000 | 18,320,000 | 18,862,000 | 19,322,000 |
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 | 2,149,000 | 4,499,000 | 6,979,000 | 9,619,000 |
| Interest expense | 189,000 | 468,000 | 825,000 | 1,278,000 |
| Net interest income | 1,960,000 | 4,031,000 | 6,154,000 | 8,341,000 |
| Noninterest income | 326,000 | 876,000 | 1,219,000 | 1,717,000 |
| Noninterest expense | 1,068,000 | 2,266,000 | 3,554,000 | 4,969,000 |
| Provision for loan losses | 75,000 | 116,000 | 146,000 | 177,000 |
| Pretax income | 1,143,000 | 2,530,000 | 3,678,000 | 4,917,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 24,000 |
| Net income | 1,140,000 | 2,525,000 | 3,671,000 | 4,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,923,000 | 17,456,000 | 18,275,000 | 19,370,000 |
| Total capital | 17,883,000 | 18,447,000 | 19,293,000 | 20,466,000 |
| Risk-weighted assets | 76,313,000 | 78,737,000 | 80,943,000 | 87,312,000 |