Call reports 2005
COMMUNITY BANK FINANCIAL — 2005
What COMMUNITY BANK FINANCIAL 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 | 90,319,000 | 92,985,000 | 90,389,000 | 92,705,000 |
| Total loans | 67,530,000 | 72,503,000 | 72,376,000 | 72,733,000 |
| Allowance for loan losses | 628,000 | 641,000 | 638,000 | 635,000 |
| Securities available for sale | 13,281,000 | 12,002,000 | 12,005,000 | 11,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,777,000 | 80,908,000 | 76,804,000 | 84,130,000 |
| Interest-bearing deposits | 72,856,000 | 71,115,000 | 68,851,000 | 75,912,000 |
| Noninterest-bearing deposits | 7,921,000 | 9,793,000 | 7,952,000 | 8,218,000 |
| Equity capital | 7,210,000 | 7,283,000 | 7,274,000 | 7,161,000 |
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 | 1,223,000 | 2,514,000 | 3,885,000 | 5,288,000 |
| Interest expense | 359,000 | 754,000 | 1,210,000 | 1,720,000 |
| Net interest income | 864,000 | 1,760,000 | 2,675,000 | 3,568,000 |
| Noninterest income | 110,000 | 252,000 | 434,000 | 580,000 |
| Noninterest expense | 789,000 | 1,525,000 | 2,298,000 | 3,110,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 170,000 | 457,000 | 766,000 | 978,000 |
| Income tax | 46,000 | 138,000 | 238,000 | 293,000 |
| Net income | 124,000 | 319,000 | 528,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,258,000 | 7,271,000 | 7,298,000 | 7,273,000 |
| Total capital | 7,886,000 | 7,912,000 | 7,936,000 | 7,908,000 |
| Risk-weighted assets | 74,691,000 | 76,680,000 | 76,635,000 | 76,623,000 |