Call reports 2005
COMMUNITY BANK & TRUST COMPANY — 2005
What COMMUNITY BANK & TRUST COMPANY 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 | 183,146,000 | 187,942,000 | 190,273,000 | 176,396,000 |
| Total loans | 133,616,000 | 132,104,000 | 133,175,000 | 125,459,000 |
| Allowance for loan losses | 1,961,000 | 2,224,000 | 2,134,000 | 2,231,000 |
| Securities available for sale | 14,849,000 | 15,403,000 | 18,762,000 | 19,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,860,000 | 142,194,000 | 144,871,000 | 137,839,000 |
| Interest-bearing deposits | 92,526,000 | 100,676,000 | 100,009,000 | 94,437,000 |
| Noninterest-bearing deposits | 40,334,000 | 41,518,000 | 44,862,000 | 43,402,000 |
| Equity capital | 28,170,000 | 28,372,000 | 28,672,000 | 28,460,000 |
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 | 2,270,000 | 4,703,000 | 7,350,000 | 9,997,000 |
| Interest expense | 618,000 | 1,311,000 | 2,094,000 | 2,933,000 |
| Net interest income | 1,652,000 | 3,392,000 | 5,256,000 | 7,064,000 |
| Noninterest income | 292,000 | 579,000 | 910,000 | 1,227,000 |
| Noninterest expense | 1,378,000 | 2,854,000 | 4,341,000 | 5,723,000 |
| Provision for loan losses | 98,000 | 360,000 | 548,000 | 1,640,000 |
| Pretax income | 468,000 | 757,000 | 1,277,000 | 928,000 |
| Income tax | 180,000 | 292,000 | 492,000 | 356,000 |
| Net income | 288,000 | 465,000 | 785,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,921,000 | 12,178,000 | 12,579,000 | 12,446,000 |
| Total capital | 13,598,000 | 13,864,000 | 14,294,000 | 14,142,000 |
| Risk-weighted assets | 134,215,000 | 134,644,000 | 136,757,000 | 134,734,000 |