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 | 83,143,000 | 83,395,000 | 86,325,000 | 90,205,000 |
| Total loans | 54,700,000 | 55,806,000 | 55,325,000 | 56,194,000 |
| Allowance for loan losses | 870,000 | 893,000 | 920,000 | 923,000 |
| Securities available for sale | 21,169,000 | 20,964,000 | 21,379,000 | 21,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,271,000 | 72,015,000 | 77,422,000 | 81,334,000 |
| Interest-bearing deposits | 65,614,000 | 64,197,000 | 69,116,000 | 67,833,000 |
| Noninterest-bearing deposits | 7,657,000 | 7,819,000 | 8,306,000 | 13,501,000 |
| Equity capital | 8,079,000 | 8,480,000 | 8,547,000 | 8,660,000 |
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 | 1,078,000 | 2,196,000 | 3,366,000 | 4,570,000 |
| Interest expense | 373,000 | 801,000 | 1,295,000 | 1,826,000 |
| Net interest income | 705,000 | 1,395,000 | 2,071,000 | 2,744,000 |
| Noninterest income | 139,000 | 271,000 | 381,000 | 514,000 |
| Noninterest expense | 470,000 | 924,000 | 1,374,000 | 1,880,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 354,000 | 692,000 | 998,000 | 1,268,000 |
| Income tax | 128,000 | 242,000 | 354,000 | 445,000 |
| Net income | 226,000 | 450,000 | 644,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,321,000 | 8,545,000 | 8,738,000 | 8,917,000 |
| Total capital | 8,970,000 | 9,207,000 | 9,404,000 | 9,600,000 |
| Risk-weighted assets | 51,697,000 | 52,736,000 | 52,996,000 | 54,384,000 |