Call reports 2005
COMMUNITY BANK OF RAYMORE — 2005
What COMMUNITY BANK OF RAYMORE 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 | 83,902,000 | 88,938,000 | 89,238,000 | 92,976,000 |
| Total loans | 62,707,000 | 63,553,000 | 67,721,000 | 60,185,000 |
| Allowance for loan losses | 565,000 | 568,000 | 487,000 | 524,000 |
| Securities available for sale | 10,028,000 | 9,735,000 | 9,740,000 | 16,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,065,000 | 81,888,000 | 81,790,000 | 85,882,000 |
| Interest-bearing deposits | 65,147,000 | 67,439,000 | 68,328,000 | 71,567,000 |
| Noninterest-bearing deposits | 11,918,000 | 14,449,000 | 13,462,000 | 14,315,000 |
| Equity capital | 6,142,000 | 6,507,000 | 6,857,000 | 6,479,000 |
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 | 998,000 | 2,135,000 | 3,374,000 | 4,678,000 |
| Interest expense | 217,000 | 491,000 | 798,000 | 1,180,000 |
| Net interest income | 781,000 | 1,644,000 | 2,576,000 | 3,498,000 |
| Noninterest income | 796,000 | 1,371,000 | 1,981,000 | 2,682,000 |
| Noninterest expense | 1,024,000 | 1,938,000 | 2,872,000 | 4,077,000 |
| Provision for loan losses | 14,000 | 22,000 | 41,000 | 91,000 |
| Pretax income | 539,000 | 1,055,000 | 1,644,000 | 2,012,000 |
| Income tax | 170,000 | 366,000 | 581,000 | 721,000 |
| Net income | 369,000 | 689,000 | 1,063,000 | 1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,174,000 | 6,495,000 | 6,868,000 | 6,497,000 |
| Total capital | 6,739,000 | 7,063,000 | 7,355,000 | 7,021,000 |
| Risk-weighted assets | 68,657,000 | 69,242,000 | 73,309,000 | 67,382,000 |