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 | 323,106,000 | 330,691,000 | 327,980,000 | 331,508,000 |
| Total loans | 197,761,000 | 205,770,000 | 201,086,000 | 203,578,000 |
| Allowance for loan losses | 9,987,000 | 9,604,000 | 7,567,000 | 7,810,000 |
| Securities available for sale | 80,724,000 | 76,703,000 | 76,963,000 | 79,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,143,000 | 239,217,000 | 244,814,000 | 249,582,000 |
| Interest-bearing deposits | 193,881,000 | 194,257,000 | 202,764,000 | 207,552,000 |
| Noninterest-bearing deposits | 41,263,000 | 44,960,000 | 42,050,000 | 42,030,000 |
| Equity capital | 45,354,000 | 46,646,000 | 42,987,000 | 42,901,000 |
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 | 3,793,000 | 7,857,000 | 12,004,000 | 16,363,000 |
| Interest expense | 1,066,000 | 2,241,000 | 3,610,000 | 5,147,000 |
| Net interest income | 2,727,000 | 5,616,000 | 8,394,000 | 11,216,000 |
| Noninterest income | 1,404,000 | 2,785,000 | 4,241,000 | 5,791,000 |
| Noninterest expense | 2,947,000 | 5,925,000 | 9,048,000 | 12,347,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,184,000 | 2,483,000 | 3,594,000 | 4,667,000 |
| Income tax | 351,000 | 741,000 | 1,096,000 | 1,417,000 |
| Net income | 833,000 | 1,742,000 | 2,498,000 | 3,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,875,000 | 25,450,000 | 22,085,000 | 23,129,000 |
| Total capital | 25,676,000 | 28,348,000 | 24,925,000 | 26,010,000 |
| Risk-weighted assets | 216,833,000 | 225,085,000 | 222,467,000 | 225,573,000 |