Call reports 2005
COMMUNITY BANK — 2005
What COMMUNITY BANK 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 | 42,718,000 | 42,719,000 | 43,004,000 | 44,594,000 |
| Total loans | 22,458,000 | 21,199,000 | 20,454,000 | 21,875,000 |
| Allowance for loan losses | 386,000 | 412,000 | 409,000 | 343,000 |
| Securities available for sale | 15,939,000 | 19,319,000 | 20,447,000 | 20,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,477,000 | 37,198,000 | 38,024,000 | 37,620,000 |
| Interest-bearing deposits | 33,416,000 | 32,458,000 | 33,484,000 | 33,668,000 |
| Noninterest-bearing deposits | 5,061,000 | 4,740,000 | 4,540,000 | 3,952,000 |
| Equity capital | 3,839,000 | 3,917,000 | 3,792,000 | 3,706,000 |
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 | 547,000 | 1,093,000 | 1,657,000 | 2,207,000 |
| Interest expense | 148,000 | 307,000 | 500,000 | 733,000 |
| Net interest income | 399,000 | 786,000 | 1,157,000 | 1,474,000 |
| Noninterest income | 92,000 | 77,000 | 104,000 | 150,000 |
| Noninterest expense | 264,000 | 526,000 | 787,000 | 1,074,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 200,000 |
| Pretax income | 197,000 | 277,000 | 414,000 | 350,000 |
| Income tax | 54,000 | 95,000 | 126,000 | 57,000 |
| Net income | 143,000 | 182,000 | 288,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,947,000 | 3,986,000 | 3,942,000 | 3,947,000 |
| Total capital | 4,282,000 | 4,345,000 | 4,296,000 | 4,290,000 |
| Risk-weighted assets | 26,753,000 | 28,639,000 | 28,270,000 | 29,743,000 |