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 | 82,371,000 | 85,736,000 | 87,753,000 | 85,707,000 |
| Total loans | 55,525,000 | 58,380,000 | 58,657,000 | 57,652,000 |
| Allowance for loan losses | 658,000 | 656,000 | 657,000 | 695,000 |
| Securities available for sale | 20,751,000 | 21,550,000 | 19,451,000 | 21,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,976,000 | 65,289,000 | 67,667,000 | 66,038,000 |
| Interest-bearing deposits | 57,495,000 | 57,830,000 | 61,910,000 | 59,627,000 |
| Noninterest-bearing deposits | 5,481,000 | 7,459,000 | 5,757,000 | 6,411,000 |
| Equity capital | 11,360,000 | 11,796,000 | 12,089,000 | 12,171,000 |
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 | 1,195,000 | 2,424,000 | 3,716,000 | 5,017,000 |
| Interest expense | 436,000 | 879,000 | 1,349,000 | 1,855,000 |
| Net interest income | 759,000 | 1,545,000 | 2,367,000 | 3,162,000 |
| Noninterest income | 73,000 | 151,000 | 224,000 | 315,000 |
| Noninterest expense | 549,000 | 866,000 | 1,222,000 | 1,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 282,000 | 829,000 | 1,314,000 | 1,551,000 |
| Income tax | 83,000 | 268,000 | 431,000 | 486,000 |
| Net income | 199,000 | 561,000 | 883,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,418,000 | 11,781,000 | 12,102,000 | 12,283,000 |
| Total capital | 12,076,000 | 12,437,000 | 12,759,000 | 12,978,000 |
| Risk-weighted assets | 60,210,000 | 63,294,000 | 63,789,000 | 63,091,000 |