Call reports 2005
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE — 2005
What COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK, THE 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 | 289,350,000 | 298,730,000 | 314,132,000 | 314,344,000 |
| Total loans | 239,061,000 | 246,287,000 | 258,580,000 | 263,766,000 |
| Allowance for loan losses | 2,354,000 | 2,504,000 | 2,639,000 | 3,092,000 |
| Securities available for sale | 29,044,000 | 29,585,000 | 29,386,000 | 28,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,837,000 | 236,295,000 | 244,715,000 | 232,595,000 |
| Interest-bearing deposits | 198,154,000 | 197,889,000 | 202,622,000 | 192,099,000 |
| Noninterest-bearing deposits | 34,683,000 | 38,406,000 | 42,093,000 | 40,496,000 |
| Equity capital | 22,914,000 | 23,455,000 | 23,794,000 | 24,045,000 |
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 | 3,696,000 | 7,563,000 | 11,713,000 | 16,173,000 |
| Interest expense | 1,025,000 | 2,197,000 | 3,548,000 | 5,220,000 |
| Net interest income | 2,671,000 | 5,366,000 | 8,165,000 | 10,953,000 |
| Noninterest income | 376,000 | 811,000 | 1,361,000 | 1,880,000 |
| Noninterest expense | 2,123,000 | 4,325,000 | 6,698,000 | 9,021,000 |
| Provision for loan losses | 205,000 | 355,000 | 475,000 | 925,000 |
| Pretax income | 719,000 | 1,497,000 | 2,353,000 | 2,887,000 |
| Income tax | 247,000 | 517,000 | 818,000 | 986,000 |
| Net income | 472,000 | 980,000 | 1,535,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,329,000 | 22,906,000 | 23,377,000 | 23,635,000 |
| Total capital | 25,729,000 | 25,407,000 | 26,025,000 | 26,337,000 |
| Risk-weighted assets | 191,974,000 | 199,995,000 | 211,796,000 | 215,717,000 |