Call reports 2005
COMMUNITY BANK, THE — 2005
What COMMUNITY BANK, THE 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 | 334,523,000 | 366,294,000 | 379,018,000 | 391,315,000 |
| Total loans | 287,443,000 | 309,269,000 | 331,789,000 | 343,768,000 |
| Allowance for loan losses | 4,617,000 | 4,966,000 | 5,177,000 | 5,406,000 |
| Securities available for sale | 24,404,000 | 26,574,000 | 30,637,000 | 31,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,748,000 | 322,844,000 | 328,389,000 | 343,399,000 |
| Interest-bearing deposits | 256,206,000 | 282,850,000 | 287,403,000 | 305,049,000 |
| Noninterest-bearing deposits | 36,542,000 | 39,994,000 | 40,985,000 | 38,351,000 |
| Equity capital | 36,599,000 | 38,460,000 | 40,418,000 | 41,043,000 |
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 | 6,024,000 | 12,629,000 | 19,949,000 | 28,073,000 |
| Interest expense | 1,574,000 | 3,417,000 | 5,698,000 | 8,329,000 |
| Net interest income | 4,450,000 | 9,212,000 | 14,251,000 | 19,744,000 |
| Noninterest income | 304,000 | 542,000 | 982,000 | 1,374,000 |
| Noninterest expense | 1,692,000 | 3,427,000 | 5,278,000 | 7,518,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 2,837,000 | 5,877,000 | 9,280,000 | 12,700,000 |
| Income tax | 993,000 | 2,054,000 | 3,251,000 | 4,276,000 |
| Net income | 1,844,000 | 3,823,000 | 6,029,000 | 8,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,161,000 | 37,943,000 | 39,950,000 | 40,944,000 |
| Total capital | 39,834,000 | 41,946,000 | 44,211,000 | 45,444,000 |
| Risk-weighted assets | 292,914,000 | 319,270,000 | 339,992,000 | 359,107,000 |