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 | 149,312,000 | 146,008,000 | 149,202,000 | 160,146,000 |
| Total loans | 88,568,000 | 95,585,000 | 98,054,000 | 104,646,000 |
| Allowance for loan losses | 1,479,000 | 1,524,000 | 1,476,000 | 1,486,000 |
| Securities available for sale | 29,667,000 | 29,629,000 | 28,077,000 | 36,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,688,000 | 120,785,000 | 125,612,000 | 135,601,000 |
| Interest-bearing deposits | 107,740,000 | 103,012,000 | 106,141,000 | 116,253,000 |
| Noninterest-bearing deposits | 17,948,000 | 17,773,000 | 19,470,000 | 19,349,000 |
| Equity capital | 16,615,000 | 16,846,000 | 16,935,000 | 16,086,000 |
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 | 1,825,000 | 3,771,000 | 5,830,000 | 8,032,000 |
| Interest expense | 406,000 | 862,000 | 1,380,000 | 2,005,000 |
| Net interest income | 1,419,000 | 2,909,000 | 4,450,000 | 6,027,000 |
| Noninterest income | 341,000 | 658,000 | 940,000 | 1,335,000 |
| Noninterest expense | 1,358,000 | 2,867,000 | 4,226,000 | 5,610,000 |
| Provision for loan losses | 26,000 | 59,000 | 92,000 | 114,000 |
| Pretax income | 376,000 | 641,000 | 1,072,000 | 1,638,000 |
| Income tax | 0 | 0 | 0 | 555,000 |
| Net income | 376,000 | 641,000 | 1,072,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,837,000 | 10,928,000 | 11,108,000 | 10,329,000 |
| Total capital | 12,100,000 | 12,238,000 | 12,437,000 | 11,744,000 |
| Risk-weighted assets | 100,845,000 | 104,565,000 | 106,175,000 | 113,140,000 |