Call reports 2005
COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 77,954,000 | 78,216,000 | 80,467,000 | 84,966,000 |
| Total loans | 49,898,000 | 48,675,000 | 48,759,000 | 49,582,000 |
| Allowance for loan losses | 1,383,000 | 1,377,000 | 1,314,000 | 1,270,000 |
| Securities available for sale | 18,454,000 | 18,011,000 | 18,403,000 | 23,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,907,000 | 69,903,000 | 71,894,000 | 76,655,000 |
| Interest-bearing deposits | 58,534,000 | 58,337,000 | 58,215,000 | 60,118,000 |
| Noninterest-bearing deposits | 11,373,000 | 11,566,000 | 13,679,000 | 16,537,000 |
| Equity capital | 6,667,000 | 6,879,000 | 7,040,000 | 7,220,000 |
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 | 1,000,000 | 2,042,000 | 3,121,000 | 4,270,000 |
| Interest expense | 346,000 | 712,000 | 1,081,000 | 1,459,000 |
| Net interest income | 654,000 | 1,330,000 | 2,040,000 | 2,811,000 |
| Noninterest income | 210,000 | 437,000 | 635,000 | 923,000 |
| Noninterest expense | 681,000 | 1,370,000 | 2,048,000 | 2,694,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 40,000 |
| Pretax income | 168,000 | 382,000 | 612,000 | 1,000,000 |
| Income tax | 28,000 | 71,000 | 122,000 | 229,000 |
| Net income | 140,000 | 311,000 | 490,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,799,000 | 6,970,000 | 7,149,000 | 7,431,000 |
| Total capital | 7,464,000 | 7,617,000 | 7,801,000 | 8,097,000 |
| Risk-weighted assets | 52,488,000 | 51,003,000 | 51,538,000 | 52,675,000 |