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 | 59,218,000 | 56,645,000 | 55,640,000 | 63,236,000 |
| Total loans | 38,828,000 | 39,501,000 | 39,815,000 | 40,074,000 |
| Allowance for loan losses | 851,000 | 849,000 | 869,000 | 871,000 |
| Securities available for sale | 11,097,000 | 11,014,000 | 9,444,000 | 9,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,143,000 | 48,388,000 | 47,366,000 | 55,183,000 |
| Interest-bearing deposits | 44,171,000 | 41,838,000 | 40,121,000 | 47,814,000 |
| Noninterest-bearing deposits | 6,972,000 | 6,550,000 | 7,245,000 | 7,369,000 |
| Equity capital | 7,896,000 | 8,090,000 | 8,063,000 | 7,853,000 |
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 | 776,000 | 1,554,000 | 2,324,000 | 3,133,000 |
| Interest expense | 198,000 | 418,000 | 660,000 | 927,000 |
| Net interest income | 578,000 | 1,136,000 | 1,664,000 | 2,206,000 |
| Noninterest income | 70,000 | 145,000 | 227,000 | 299,000 |
| Noninterest expense | 508,000 | 967,000 | 1,539,000 | 2,028,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 125,000 | 284,000 | 291,000 | 406,000 |
| Income tax | 5,000 | 11,000 | 10,000 | 21,000 |
| Net income | 120,000 | 273,000 | 281,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,832,000 | 5,989,000 | 6,065,000 | 5,922,000 |
| Total capital | 6,353,000 | 6,517,000 | 6,598,000 | 6,475,000 |
| Risk-weighted assets | 41,382,000 | 41,957,000 | 42,282,000 | 43,892,000 |