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 | 290,336,000 | 291,070,000 | 303,318,000 | 306,103,000 |
| Total loans | 170,828,000 | 169,152,000 | 171,643,000 | 166,517,000 |
| Allowance for loan losses | 2,408,000 | 2,469,000 | 2,424,000 | 2,242,000 |
| Securities available for sale | 84,535,000 | 87,777,000 | 90,120,000 | 102,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,986,000 | 263,805,000 | 275,842,000 | 279,073,000 |
| Interest-bearing deposits | 241,211,000 | 234,722,000 | 242,370,000 | 247,283,000 |
| Noninterest-bearing deposits | 27,775,000 | 29,083,000 | 33,472,000 | 31,790,000 |
| Equity capital | 20,926,000 | 26,518,000 | 26,598,000 | 25,477,000 |
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 | 3,894,000 | 8,058,000 | 12,336,000 | 16,818,000 |
| Interest expense | 1,234,000 | 2,608,000 | 4,129,000 | 5,882,000 |
| Net interest income | 2,660,000 | 5,450,000 | 8,207,000 | 10,936,000 |
| Noninterest income | 385,000 | 929,000 | 1,602,000 | 2,200,000 |
| Noninterest expense | 2,277,000 | 4,422,000 | 6,814,000 | 10,249,000 |
| Provision for loan losses | 190,000 | 250,000 | 260,000 | 265,000 |
| Pretax income | 578,000 | 1,707,000 | 2,735,000 | 2,622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,112,000 | 2,241,000 | 3,269,000 | 3,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,215,000 | 27,429,000 | 27,544,000 | 26,691,000 |
| Total capital | 24,533,000 | 29,763,000 | 29,949,000 | 28,933,000 |
| Risk-weighted assets | 185,356,000 | 186,585,000 | 192,359,000 | 186,396,000 |