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 | 77,330,000 | 74,838,000 | 79,659,000 | 83,024,000 |
| Total loans | 63,057,000 | 65,080,000 | 69,281,000 | 69,879,000 |
| Allowance for loan losses | 631,000 | 655,000 | 700,000 | 738,000 |
| Securities available for sale | 3,182,000 | 1,288,000 | 1,689,000 | 5,679,000 |
| Securities held to maturity | 1,455,000 | 1,452,000 | 1,050,000 | 700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,246,000 | 62,313,000 | 63,504,000 | 68,944,000 |
| Interest-bearing deposits | 51,538,000 | 51,631,000 | 52,423,000 | 57,956,000 |
| Noninterest-bearing deposits | 12,708,000 | 10,681,000 | 11,081,000 | 10,988,000 |
| Equity capital | 5,497,000 | 5,613,000 | 5,860,000 | 6,032,000 |
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 | 1,018,000 | 2,163,000 | 3,401,000 | 4,741,000 |
| Interest expense | 344,000 | 721,000 | 1,136,000 | 1,624,000 |
| Net interest income | 674,000 | 1,442,000 | 2,265,000 | 3,117,000 |
| Noninterest income | 115,000 | 255,000 | 395,000 | 527,000 |
| Noninterest expense | 708,000 | 1,397,000 | 2,074,000 | 2,749,000 |
| Provision for loan losses | 31,000 | 67,000 | 115,000 | 145,000 |
| Pretax income | 50,000 | 233,000 | 471,000 | 750,000 |
| Income tax | 6,000 | 76,000 | 167,000 | 273,000 |
| Net income | 44,000 | 157,000 | 304,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,507,000 | 5,620,000 | 5,866,000 | 6,040,000 |
| Total capital | 6,138,000 | 6,275,000 | 6,566,000 | 6,778,000 |
| Risk-weighted assets | 60,364,000 | 61,486,000 | 65,170,000 | 66,372,000 |