Call reports 2005
COMMUNITY BANK, N.A. — 2005
What COMMUNITY BANK, N.A. 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 | 38,483,000 | 38,504,000 | 36,947,000 | 37,255,000 |
| Total loans | 28,238,000 | 28,399,000 | 28,744,000 | 29,238,000 |
| Allowance for loan losses | 445,000 | 477,000 | 488,000 | 518,000 |
| Securities available for sale | 4,616,000 | 4,367,000 | 4,608,000 | 4,773,000 |
| Securities held to maturity | 257,000 | 255,000 | 203,000 | 202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,797,000 | 34,584,000 | 33,222,000 | 33,430,000 |
| Interest-bearing deposits | 30,274,000 | 29,179,000 | 28,090,000 | 28,066,000 |
| Noninterest-bearing deposits | 4,523,000 | 5,405,000 | 5,132,000 | 5,364,000 |
| Equity capital | 3,508,000 | 3,711,000 | 3,471,000 | 3,561,000 |
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 | 672,000 | 1,377,000 | 2,083,000 | 2,804,000 |
| Interest expense | 149,000 | 312,000 | 483,000 | 667,000 |
| Net interest income | 523,000 | 1,065,000 | 1,600,000 | 2,137,000 |
| Noninterest income | 79,000 | 196,000 | 298,000 | 396,000 |
| Noninterest expense | 405,000 | 844,000 | 1,265,000 | 1,704,000 |
| Provision for loan losses | 9,000 | 38,000 | 77,000 | 156,000 |
| Pretax income | 188,000 | 379,000 | 556,000 | 673,000 |
| Income tax | 57,000 | 63,000 | 70,000 | 73,000 |
| Net income | 131,000 | 316,000 | 486,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,540,000 | 3,726,000 | 3,496,000 | 3,610,000 |
| Total capital | 3,863,000 | 4,087,000 | 3,855,000 | 3,977,000 |
| Risk-weighted assets | 25,747,000 | 28,773,000 | 28,615,000 | 29,205,000 |