Call reports 2005
COMMUNITY BANK, MERIDIAN, MISSISSIPPI — 2005
What COMMUNITY BANK, MERIDIAN, MISSISSIPPI 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 | 139,503,000 | 145,486,000 | 142,206,000 | 145,141,000 |
| Total loans | 93,038,000 | 91,564,000 | 92,187,000 | 92,552,000 |
| Allowance for loan losses | 969,000 | 1,034,000 | 1,075,000 | 1,011,000 |
| Securities available for sale | 34,669,000 | 33,191,000 | 31,862,000 | 36,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,627,000 | 126,622,000 | 125,699,000 | 129,062,000 |
| Interest-bearing deposits | 111,992,000 | 113,233,000 | 113,667,000 | 115,929,000 |
| Noninterest-bearing deposits | 11,635,000 | 13,389,000 | 12,032,000 | 13,133,000 |
| Equity capital | 9,839,000 | 10,211,000 | 10,430,000 | 10,568,000 |
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 | 1,728,000 | 3,588,000 | 5,458,000 | 7,412,000 |
| Interest expense | 575,000 | 1,202,000 | 1,890,000 | 2,615,000 |
| Net interest income | 1,153,000 | 2,386,000 | 3,568,000 | 4,797,000 |
| Noninterest income | 92,000 | 205,000 | 309,000 | 413,000 |
| Noninterest expense | 814,000 | 1,648,000 | 2,473,000 | 3,255,000 |
| Provision for loan losses | 55,000 | 120,000 | 180,000 | 215,000 |
| Pretax income | 376,000 | 823,000 | 1,224,000 | 1,740,000 |
| Income tax | 126,000 | 278,000 | 410,000 | 585,000 |
| Net income | 250,000 | 545,000 | 814,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,057,000 | 10,352,000 | 10,620,000 | 10,961,000 |
| Total capital | 11,026,000 | 11,386,000 | 11,695,000 | 11,972,000 |
| Risk-weighted assets | 94,652,000 | 92,374,000 | 92,705,000 | 94,308,000 |