Call reports 2005
COMMUNITY BANK OF SNYDER — 2005
What COMMUNITY BANK OF SNYDER 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 | 110,616,000 | 117,258,000 | 107,134,000 | 116,549,000 |
| Total loans | 30,807,000 | 31,725,000 | 32,664,000 | 30,604,000 |
| Allowance for loan losses | 331,000 | 324,000 | 337,000 | 316,000 |
| Securities available for sale | 36,914,000 | 37,570,000 | 37,051,000 | 37,781,000 |
| Securities held to maturity | 18,306,000 | 17,377,000 | 16,140,000 | 15,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,516,000 | 105,432,000 | 95,718,000 | 105,467,000 |
| Interest-bearing deposits | 82,167,000 | 88,087,000 | 73,038,000 | 83,114,000 |
| Noninterest-bearing deposits | 17,349,000 | 17,345,000 | 22,680,000 | 22,353,000 |
| Equity capital | 10,106,000 | 10,566,000 | 10,268,000 | 10,071,000 |
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 | 1,157,000 | 2,321,000 | 3,575,000 | 4,875,000 |
| Interest expense | 335,000 | 684,000 | 1,092,000 | 1,601,000 |
| Net interest income | 822,000 | 1,637,000 | 2,483,000 | 3,274,000 |
| Noninterest income | 114,000 | 214,000 | 321,000 | 422,000 |
| Noninterest expense | 631,000 | 1,252,000 | 1,860,000 | 2,465,000 |
| Provision for loan losses | 3,000 | 1,000 | 33,000 | 101,000 |
| Pretax income | 302,000 | 598,000 | 911,000 | 1,130,000 |
| Income tax | 81,000 | 161,000 | 241,000 | 297,000 |
| Net income | 221,000 | 437,000 | 670,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,817,000 | 10,845,000 | 10,890,000 | 10,866,000 |
| Total capital | 11,148,000 | 11,169,000 | 11,227,000 | 11,182,000 |
| Risk-weighted assets | 53,081,000 | 54,029,000 | 58,848,000 | 52,428,000 |