Call reports 2005
COMMUNITY BANK, COAST — 2005
What COMMUNITY BANK, COAST 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 | 186,739,000 | 203,671,000 | 215,139,000 | 256,304,000 |
| Total loans | 134,235,000 | 140,382,000 | 153,189,000 | 160,054,000 |
| Allowance for loan losses | 1,181,000 | 1,366,000 | 1,482,000 | 1,708,000 |
| Securities available for sale | 10,433,000 | 10,462,000 | 10,155,000 | 13,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,254,000 | 169,548,000 | 179,546,000 | 219,884,000 |
| Interest-bearing deposits | 128,484,000 | 139,487,000 | 140,467,000 | 165,504,000 |
| Noninterest-bearing deposits | 24,769,000 | 30,061,000 | 39,079,000 | 54,379,000 |
| Equity capital | 14,267,000 | 14,920,000 | 15,993,000 | 17,237,000 |
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 | 2,459,000 | 5,265,000 | 8,273,000 | 11,862,000 |
| Interest expense | 818,000 | 1,738,000 | 2,857,000 | 4,088,000 |
| Net interest income | 1,641,000 | 3,527,000 | 5,416,000 | 7,774,000 |
| Noninterest income | 299,000 | 601,000 | 845,000 | 1,023,000 |
| Noninterest expense | 1,222,000 | 2,547,000 | 3,832,000 | 5,264,000 |
| Provision for loan losses | 94,000 | 280,000 | 396,000 | 675,000 |
| Pretax income | 624,000 | 1,301,000 | 2,033,000 | 2,858,000 |
| Income tax | 226,000 | 472,000 | 736,000 | 1,032,000 |
| Net income | 398,000 | 829,000 | 1,297,000 | 1,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,498,000 | 13,146,000 | 14,231,000 | 15,527,000 |
| Total capital | 13,679,000 | 14,512,000 | 15,713,000 | 17,235,000 |
| Risk-weighted assets | 136,615,000 | 144,808,000 | 156,745,000 | 171,598,000 |