Call reports 2005
COMMUNITY BANK CORPORATION — 2005
What COMMUNITY BANK CORPORATION 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 | 92,930,000 | 104,784,000 | 118,371,000 | 119,707,000 |
| Total loans | 76,238,000 | 85,930,000 | 89,131,000 | 88,207,000 |
| Allowance for loan losses | 777,000 | 860,000 | 915,000 | 963,000 |
| Securities available for sale | 6,666,000 | 6,296,000 | 12,972,000 | 12,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,861,000 | 88,007,000 | 97,421,000 | 101,816,000 |
| Interest-bearing deposits | 65,699,000 | 72,383,000 | 78,956,000 | 85,833,000 |
| Noninterest-bearing deposits | 13,162,000 | 15,624,000 | 18,465,000 | 15,982,000 |
| Equity capital | 7,539,000 | 10,797,000 | 11,103,000 | 11,430,000 |
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 | 1,284,000 | 2,755,000 | 4,664,000 | 6,673,000 |
| Interest expense | 328,000 | 706,000 | 1,228,000 | 1,841,000 |
| Net interest income | 956,000 | 2,049,000 | 3,436,000 | 4,832,000 |
| Noninterest income | 128,000 | 301,000 | 495,000 | 686,000 |
| Noninterest expense | 732,000 | 1,491,000 | 2,460,000 | 3,412,000 |
| Provision for loan losses | 47,000 | 130,000 | 185,000 | 239,000 |
| Pretax income | 305,000 | 729,000 | 1,286,000 | 1,867,000 |
| Income tax | 123,000 | 296,000 | 521,000 | 759,000 |
| Net income | 182,000 | 433,000 | 765,000 | 1,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,539,000 | 10,797,000 | 11,103,000 | 11,465,000 |
| Total capital | 8,316,000 | 11,657,000 | 12,018,000 | 12,428,000 |
| Risk-weighted assets | 82,657,000 | 93,274,000 | 93,266,000 | 88,321,000 |