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 | 53,649,000 | 58,398,000 | 57,420,000 | 57,378,000 |
| Total loans | 32,845,000 | 36,420,000 | 38,253,000 | 38,564,000 |
| Allowance for loan losses | 376,000 | 367,000 | 377,000 | 397,000 |
| Securities available for sale | 116,000 | 113,000 | 109,000 | 104,000 |
| Securities held to maturity | 3,576,000 | 2,918,000 | 1,250,000 | 1,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,596,000 | 54,156,000 | 52,867,000 | 53,295,000 |
| Interest-bearing deposits | 41,048,000 | 47,160,000 | 44,816,000 | 43,668,000 |
| Noninterest-bearing deposits | 8,548,000 | 6,996,000 | 8,051,000 | 9,627,000 |
| Equity capital | 3,713,000 | 3,930,000 | 4,179,000 | 3,813,000 |
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 | 754,000 | 1,570,000 | 2,473,000 | 3,403,000 |
| Interest expense | 169,000 | 364,000 | 587,000 | 841,000 |
| Net interest income | 585,000 | 1,206,000 | 1,886,000 | 2,562,000 |
| Noninterest income | 194,000 | 412,000 | 635,000 | 851,000 |
| Noninterest expense | 479,000 | 981,000 | 1,473,000 | 1,977,000 |
| Provision for loan losses | 6,000 | 12,000 | 27,000 | 45,000 |
| Pretax income | 294,000 | 625,000 | 1,023,000 | 1,393,000 |
| Income tax | 100,000 | 214,000 | 362,000 | 498,000 |
| Net income | 194,000 | 411,000 | 661,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,710,000 | 3,927,000 | 4,177,000 | 3,811,000 |
| Total capital | 4,086,000 | 4,294,000 | 4,554,000 | 4,208,000 |
| Risk-weighted assets | 33,265,000 | 38,150,000 | 37,581,000 | 38,044,000 |