Call reports 2005
DEDICATED COMMUNITY BANK — 2005
What DEDICATED 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 | 40,159,000 | 37,337,000 | 38,036,000 | 38,447,000 |
| Total loans | 20,070,000 | 20,456,000 | 20,754,000 | 22,357,000 |
| Allowance for loan losses | 220,000 | 213,000 | 199,000 | 214,000 |
| Securities available for sale | 12,620,000 | 12,759,000 | 12,355,000 | 11,968,000 |
| Securities held to maturity | 510,000 | 510,000 | 509,000 | 509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,827,000 | 30,918,000 | 31,746,000 | 32,530,000 |
| Interest-bearing deposits | 26,464,000 | 25,001,000 | 25,698,000 | 25,723,000 |
| Noninterest-bearing deposits | 6,363,000 | 5,917,000 | 6,048,000 | 6,807,000 |
| Equity capital | 3,724,000 | 3,857,000 | 3,926,000 | 4,055,000 |
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 | 473,000 | 974,000 | 1,484,000 | 2,027,000 |
| Interest expense | 85,000 | 189,000 | 301,000 | 427,000 |
| Net interest income | 388,000 | 785,000 | 1,183,000 | 1,600,000 |
| Noninterest income | 82,000 | 162,000 | 246,000 | 316,000 |
| Noninterest expense | 306,000 | 616,000 | 931,000 | 1,252,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 146,000 | 295,000 | 444,000 | 592,000 |
| Income tax | 48,000 | 96,000 | 146,000 | 195,000 |
| Net income | 98,000 | 199,000 | 298,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,938,000 | 4,039,000 | 4,138,000 | 4,238,000 |
| Total capital | 4,158,000 | 4,252,000 | 4,337,000 | 4,452,000 |
| Risk-weighted assets | 24,358,000 | 24,217,000 | 23,726,000 | 25,589,000 |