Call reports 2005
COMMUNITY BANK OF PARKERSBURG — 2005
What COMMUNITY BANK OF PARKERSBURG 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 | 192,332,000 | 191,887,000 | 200,370,000 | 196,777,000 |
| Total loans | 128,116,000 | 128,242,000 | 132,524,000 | 134,809,000 |
| Allowance for loan losses | 1,450,000 | 1,369,000 | 1,357,000 | 1,244,000 |
| Securities available for sale | 53,376,000 | 55,575,000 | 57,609,000 | 53,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,762,000 | 123,355,000 | 125,451,000 | 127,247,000 |
| Interest-bearing deposits | 97,819,000 | 98,524,000 | 100,190,000 | 100,253,000 |
| Noninterest-bearing deposits | 22,943,000 | 24,831,000 | 25,261,000 | 26,994,000 |
| Equity capital | 16,490,000 | 17,168,000 | 17,218,000 | 14,053,000 |
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 | 2,580,000 | 5,347,000 | 8,236,000 | 11,243,000 |
| Interest expense | 807,000 | 1,753,000 | 2,750,000 | 3,810,000 |
| Net interest income | 1,773,000 | 3,594,000 | 5,486,000 | 7,433,000 |
| Noninterest income | 468,000 | 1,014,000 | 1,570,000 | 2,113,000 |
| Noninterest expense | 1,481,000 | 2,989,000 | 4,492,000 | 6,097,000 |
| Provision for loan losses | 69,000 | 84,000 | 99,000 | 114,000 |
| Pretax income | 691,000 | 1,535,000 | 2,465,000 | 3,335,000 |
| Income tax | 239,000 | 536,000 | 868,000 | 1,460,000 |
| Net income | 452,000 | 999,000 | 1,597,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,814,000 | 17,160,000 | 17,558,000 | 14,917,000 |
| Total capital | 18,177,000 | 18,529,000 | 18,915,000 | 16,161,000 |
| Risk-weighted assets | 108,948,000 | 109,509,000 | 113,872,000 | 114,825,000 |